Home > Winona Savings Bank > Assets and Liabilities
Winona Savings Bank, Assets and Liabilities
| 1998-12-31 | Rank | |
| # of Employees: | 12 | 8,518 |
| Assets and Liabilities | ||
| Total Assets: | $26,318,000 | 8,966 |
| Cash and due from depository institutions | $1,594,000 | 8,518 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $6,307,000 | 8,281 |
| Federal funds sold & reverse repurchase agreements | $596,000 | 7,638 |
| Net loans & leases | $16,926,000 | 8,406 |
| Loan loss allowance | $293,000 | 7,468 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $341,000 | 8,497 |
| Other real estate owned | $205,000 | 8,518 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $349,000 | 9,074 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $26,318,000 | 8,966 |
| Total liabilities | $23,298,000 | 8,948 |
| Total deposits | $23,092,000 | 8,854 |
| Interest-bearing deposits | $19,249,000 | 8,873 |
| Deposits held in domestic offices | $23,092,000 | 8,853 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $206,000 | 8,542 |
| Total equity capital | $3,020,000 | 8,794 |
| Total bank equity capital | $3,020,000 | 8,794 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $61,000 | 8,635 |
| Surplus | $500,000 | 8,483 |
| Undivided profits | $2,459,000 | 6,426 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $66,000 | 7,849 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $172,000 | 8,313 |
| Earning assets | $23,829,000 | 8,968 |
| Long-term assets (5+ years) | $1,667,000 | 7,941 |
| Average Assets, year-to-date | $26,066,400 | 8,826 |
| Average Assets, quarterly | $26,058,500 | 8,928 |
| Volatile liabilities | $3,630,000 | 7,820 |
| Insider loans | $0 | 9,309 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $0 | 10,110 |
| Tier 1 (core) risk-based capital | $2,998,000 | 8,717 |
| Tier 2 risk-based capital | $201,430 | 8,209 |
| Total risk weighted assets | $16,023,130 | 8,824 |
| Total unused commitments | $0 | 10,111 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 13 | 8,601 |
| Assets and Liabilities | ||
| Total Assets: | $25,547,000 | 9,282 |
| Cash and due from depository institutions | $1,125,000 | 8,601 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $7,193,000 | 8,374 |
| Federal funds sold & reverse repurchase agreements | $178,000 | 7,859 |
| Net loans & leases | $15,970,000 | 8,872 |
| Loan loss allowance | $282,000 | 7,755 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $369,000 | 8,566 |
| Other real estate owned | $263,000 | 8,601 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $449,000 | 8,753 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $25,547,000 | 9,282 |
| Total liabilities | $20,441,000 | 9,526 |
| Total deposits | $20,278,000 | 9,437 |
| Interest-bearing deposits | $17,285,000 | 9,425 |
| Deposits held in domestic offices | $20,278,000 | 9,435 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $163,000 | 9,435 |
| Total equity capital | $5,106,000 | 7,058 |
| Total bank equity capital | $5,106,000 | 7,058 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $61,000 | 9,024 |
| Surplus | $500,000 | 8,800 |
| Undivided profits | $4,545,000 | 4,746 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $109,000 | 7,533 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $181,000 | 8,555 |
| Earning assets | $23,341,000 | 9,276 |
| Long-term assets (5+ years) | $2,587,000 | 7,283 |
| Average Assets, year-to-date | $25,453,600 | 9,178 |
| Average Assets, quarterly | $25,585,500 | 9,246 |
| Volatile liabilities | $2,868,000 | 8,598 |
| Insider loans | $0 | 9,792 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $0 | 10,531 |
| Tier 1 (core) risk-based capital | $5,087,000 | 6,920 |
| Tier 2 risk-based capital | $199,680 | 8,412 |
| Total risk weighted assets | $15,892,180 | 9,068 |
| Total unused commitments | $0 | 10,532 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 13 | 9,013 |
| Assets and Liabilities | ||
| Total Assets: | $25,173,000 | 9,710 |
| Cash and due from depository institutions | $946,000 | 9,013 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $7,613,000 | 8,757 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $15,738,000 | 9,191 |
| Loan loss allowance | $212,000 | 8,982 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $342,000 | 8,983 |
| Other real estate owned | $242,000 | 9,013 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $292,000 | 10,323 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $25,173,000 | 9,710 |
| Total liabilities | $20,280,000 | 9,969 |
| Total deposits | $19,908,000 | 9,909 |
| Interest-bearing deposits | $17,265,000 | 9,839 |
| Deposits held in domestic offices | $19,908,000 | 9,907 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $182,000 | 3,666 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $190,000 | 9,402 |
| Total equity capital | $4,893,000 | 7,329 |
| Total bank equity capital | $4,893,000 | 7,329 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $60,000 | 9,468 |
| Surplus | $500,000 | 9,166 |
| Undivided profits | $4,333,000 | 4,894 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $411,000 | 4,784 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $185,000 | 8,725 |
| Earning assets | $23,351,000 | 9,658 |
| Long-term assets (5+ years) | $1,903,000 | 7,881 |
| Average Assets, year-to-date | $24,559,600 | 9,647 |
| Average Assets, quarterly | $25,240,500 | 9,661 |
| Volatile liabilities | $2,087,000 | 9,399 |
| Insider loans | $0 | 10,271 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $0 | 10,924 |
| Tier 1 (core) risk-based capital | $4,891,000 | 7,228 |
| Tier 2 risk-based capital | $193,490 | 8,744 |
| Total risk weighted assets | $15,460,590 | 9,441 |
| Total unused commitments | $0 | 10,925 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 12 | 9,704 |
| Assets and Liabilities | ||
| Total Assets: | $23,562,000 | 10,258 |
| Cash and due from depository institutions | $1,116,000 | 9,704 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $6,857,000 | 9,447 |
| Federal funds sold & reverse repurchase agreements | $168,000 | 9,005 |
| Net loans & leases | $14,690,000 | 9,614 |
| Loan loss allowance | $203,000 | 9,436 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $259,000 | 9,835 |
| Other real estate owned | $216,000 | 9,704 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $256,000 | 10,997 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $23,562,000 | 10,258 |
| Total liabilities | $19,003,000 | 10,522 |
| Total deposits | $18,888,000 | 10,434 |
| Interest-bearing deposits | $16,383,000 | 10,364 |
| Deposits held in domestic offices | $18,888,000 | 10,431 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $115,000 | 10,925 |
| Total equity capital | $4,559,000 | 7,754 |
| Total bank equity capital | $4,559,000 | 7,754 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $60,000 | 9,924 |
| Surplus | $500,000 | 9,516 |
| Undivided profits | $3,999,000 | 5,279 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $142,000 | 7,504 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $147,000 | 9,772 |
| Earning assets | $21,715,000 | 10,213 |
| Long-term assets (5+ years) | $1,640,000 | 8,253 |
| Average Assets, year-to-date | $23,197,800 | 10,175 |
| Average Assets, quarterly | $23,594,000 | 10,211 |
| Volatile liabilities | $1,369,000 | 10,378 |
| Insider loans | $0 | 10,773 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $270,000 | 10,560 |
| Tier 1 (core) risk-based capital | $4,524,000 | 7,672 |
| Tier 2 risk-based capital | $181,540 | 9,181 |
| Total risk weighted assets | $14,501,440 | 9,909 |
| Total unused commitments | $270,000 | 10,566 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 12 | 10,160 |
| Assets and Liabilities | ||
| Total Assets: | $22,706,000 | 10,704 |
| Cash and due from depository institutions | $1,066,000 | 10,160 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $6,873,000 | 9,976 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $14,053,000 | 10,027 |
| Loan loss allowance | $215,000 | 9,599 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $260,000 | 10,184 |
| Other real estate owned | $205,000 | 10,160 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $249,000 | 11,578 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $22,706,000 | 10,704 |
| Total liabilities | $18,541,000 | 11,004 |
| Total deposits | $18,159,000 | 10,925 |
| Interest-bearing deposits | $15,629,000 | 10,871 |
| Deposits held in domestic offices | $18,159,000 | 10,921 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $296,000 | 4,298 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $86,000 | 11,411 |
| Total equity capital | $4,165,000 | 7,991 |
| Total bank equity capital | $4,165,000 | 7,991 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $60,000 | 10,460 |
| Surplus | $500,000 | 9,881 |
| Undivided profits | $3,605,000 | 5,262 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $186,000 | 6,962 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $223,000 | 7,991 |
| Earning assets | $20,926,000 | 10,667 |
| Long-term assets (5+ years) | $2,367,000 | 7,934 |
| Average Assets, year-to-date | $22,856,200 | 10,644 |
| Average Assets, quarterly | $22,908,500 | 10,655 |
| Volatile liabilities | $1,196,000 | 10,805 |
| Insider loans | $0 | 11,229 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $0 | 11,812 |
| Tier 1 (core) risk-based capital | $4,203,000 | 8,026 |
| Tier 2 risk-based capital | $172,460 | 9,676 |
| Total risk weighted assets | $13,754,160 | 10,358 |
| Total unused commitments | $0 | 11,813 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 12 | 10,651 |
| Assets and Liabilities | ||
| Total Assets: | $23,389,000 | 11,103 |
| Cash and due from depository institutions | $1,168,000 | 10,651 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $8,043,000 | 9,870 |
| Federal funds sold & reverse repurchase agreements | $568,000 | 8,918 |
| Net loans & leases | $12,915,000 | 10,553 |
| Loan loss allowance | $195,000 | 10,353 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $243,000 | 10,760 |
| Other real estate owned | $220,000 | 10,651 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $232,000 | 12,014 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $23,389,000 | 11,103 |
| Total liabilities | $19,499,000 | 11,340 |
| Total deposits | $19,394,000 | 11,259 |
| Interest-bearing deposits | $16,839,000 | 11,193 |
| Deposits held in domestic offices | $19,394,000 | 11,257 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $105,000 | 11,442 |
| Total equity capital | $3,890,000 | 8,522 |
| Total bank equity capital | $3,890,000 | 8,522 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $60,000 | 10,973 |
| Surplus | $500,000 | 10,245 |
| Undivided profits | $3,330,000 | 5,754 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $158,000 | 8,171 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $135,000 | 9,925 |
| Earning assets | $21,526,000 | 11,053 |
| Long-term assets (5+ years) | $2,151,000 | 8,607 |
| Average Assets, year-to-date | $21,952,200 | 11,213 |
| Average Assets, quarterly | $23,260,000 | 11,083 |
| Volatile liabilities | $924,000 | 11,509 |
| Insider loans | $0 | 11,728 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $0 | 12,206 |
| Tier 1 (core) risk-based capital | $3,890,000 | 8,436 |
| Tier 2 risk-based capital | $163,050 | 10,152 |
| Total risk weighted assets | $13,012,050 | 10,870 |
| Total unused commitments | $0 | 12,208 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 11 | 11,407 |
| Assets and Liabilities | ||
| Total Assets: | $19,790,000 | 12,068 |
| Cash and due from depository institutions | $1,308,000 | 11,407 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $7,874,000 | 10,082 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $9,968,000 | 11,684 |
| Loan loss allowance | $209,000 | 10,337 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $181,000 | 11,763 |
| Other real estate owned | $216,000 | 11,407 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $243,000 | 12,393 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $19,790,000 | 12,068 |
| Total liabilities | $16,262,000 | 12,347 |
| Total deposits | $15,815,000 | 12,332 |
| Interest-bearing deposits | $13,620,000 | 12,286 |
| Deposits held in domestic offices | $15,815,000 | 12,330 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $294,000 | 3,297 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $153,000 | 11,092 |
| Total equity capital | $3,528,000 | 8,893 |
| Total bank equity capital | $3,528,000 | 8,893 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $60,000 | 11,473 |
| Surplus | $500,000 | 10,509 |
| Undivided profits | $2,968,000 | 6,010 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $171,000 | 8,816 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $115,000 | 11,073 |
| Earning assets | $17,842,000 | 12,062 |
| Long-term assets (5+ years) | $2,048,000 | 8,898 |
| Average Assets, year-to-date | $18,658,600 | 12,158 |
| Average Assets, quarterly | $19,655,500 | 12,041 |
| Volatile liabilities | $513,000 | 12,807 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $0 | 12,570 |
| Tier 1 (core) risk-based capital | $3,528,000 | 8,817 |
| Tier 2 risk-based capital | $130,950 | 11,160 |
| Total risk weighted assets | $10,398,050 | 11,958 |
| Total unused commitments | $0 | 12,572 |
| Derivatives | $0 | 651 |