Call reports 2020
BANK OF WINONA — 2020
What BANK OF WINONA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 120,533,000 | 133,395,000 | 133,969,000 | 135,761,000 |
| Total loans | 51,117,000 | 50,883,000 | 51,931,000 | 50,852,000 |
| Allowance for loan losses | 542,000 | 461,000 | 444,000 | 497,000 |
| Securities available for sale | 49,062,000 | 56,865,000 | 61,881,000 | 59,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,735,000 | 112,157,000 | 111,450,000 | 113,698,000 |
| Interest-bearing deposits | 76,989,000 | 85,499,000 | 84,780,000 | 86,501,000 |
| Noninterest-bearing deposits | 22,746,000 | 26,658,000 | 26,670,000 | 27,197,000 |
| Equity capital | 12,484,000 | 16,538,000 | 17,488,000 | 17,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,194,000 | 2,478,000 | 3,618,000 | 4,744,000 |
| Interest expense | 223,000 | 406,000 | 572,000 | 715,000 |
| Net interest income | 971,000 | 2,072,000 | 3,046,000 | 4,029,000 |
| Noninterest income | 105,000 | 180,000 | 470,000 | 534,000 |
| Noninterest expense | 774,000 | 1,521,000 | 2,291,000 | 3,449,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 303,000 | 735,000 | 1,229,000 | 1,020,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 303,000 | 735,000 | 1,229,000 | 1,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,255,000 | 13,595,000 | 14,069,000 | 13,361,000 |
| Total capital | 13,797,000 | 14,056,000 | 14,513,000 | 13,858,000 |
| Risk-weighted assets | 81,770,000 | 92,797,000 | 99,305,000 | 94,551,000 |