Call reports 2023
BANK OF WINONA — 2023
What BANK OF WINONA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 148,052,000 | 152,294,000 | 146,626,000 | 150,263,000 |
| Total loans | 48,210,000 | 49,736,000 | 50,986,000 | 50,556,000 |
| Allowance for loan losses | 706,000 | 677,000 | 677,000 | 756,000 |
| Securities available for sale | 77,055,000 | 79,174,000 | 79,627,000 | 82,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,709,000 | 132,784,000 | 129,045,000 | 129,070,000 |
| Interest-bearing deposits | 97,430,000 | 98,895,000 | 96,407,000 | 98,296,000 |
| Noninterest-bearing deposits | 33,279,000 | 33,889,000 | 32,638,000 | 30,774,000 |
| Equity capital | 11,989,000 | 14,004,000 | 11,878,000 | 15,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,344,000 | 2,798,000 | 4,365,000 | 5,922,000 |
| Interest expense | 243,000 | 521,000 | 858,000 | 1,245,000 |
| Net interest income | 1,101,000 | 2,277,000 | 3,507,000 | 4,677,000 |
| Noninterest income | -5,000 | 2,870,000 | 2,957,000 | 3,486,000 |
| Noninterest expense | 814,000 | 1,913,000 | 2,784,000 | 4,194,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 297,000 | 2,858,000 | 3,228,000 | 3,230,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 297,000 | 2,858,000 | 3,228,000 | 3,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,288,000 | 18,577,000 | 18,903,000 | 18,532,000 |
| Total capital | 16,994,000 | 19,254,000 | 19,655,000 | 19,320,000 |
| Risk-weighted assets | 61,445,000 | 68,776,000 | 66,303,000 | 63,040,000 |
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