Call reports 2025
BANK OF WINONA — 2025
What BANK OF WINONA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 141,609,000 | 139,609,000 | 138,832,000 | 139,011,000 |
| Total loans | 47,321,000 | 47,108,000 | 46,860,000 | 47,498,000 |
| Allowance for loan losses | 774,000 | 774,000 | 748,000 | 876,000 |
| Securities available for sale | 75,084,000 | 76,017,000 | 78,757,000 | 78,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,080,000 | 118,138,000 | 115,509,000 | 116,123,000 |
| Interest-bearing deposits | 92,831,000 | 91,427,000 | 89,018,000 | 90,496,000 |
| Noninterest-bearing deposits | 27,249,000 | 26,711,000 | 26,491,000 | 25,627,000 |
| Equity capital | 15,529,000 | 15,400,000 | 17,200,000 | 16,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,557,000 | 3,100,000 | 4,671,000 | 6,225,000 |
| Interest expense | 552,000 | 1,081,000 | 1,582,000 | 2,051,000 |
| Net interest income | 1,005,000 | 2,019,000 | 3,089,000 | 4,174,000 |
| Noninterest income | 72,000 | 156,000 | 246,000 | 342,000 |
| Noninterest expense | 842,000 | 1,722,000 | 2,552,000 | 3,845,000 |
| Provision for loan losses | 0 | 0 | 0 | 120,000 |
| Pretax income | 239,000 | 457,000 | 789,000 | 566,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 239,000 | 457,000 | 789,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,162,000 | 19,321,000 | 19,345,000 | 18,592,000 |
| Total capital | 19,897,000 | 20,045,000 | 20,059,000 | 19,298,000 |
| Risk-weighted assets | 58,674,000 | 57,779,000 | 57,017,000 | 56,287,000 |
Machine access — free, no API key
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