Call reports 2006
MINSTER BANK — 2006
What MINSTER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 227,853,000 | 231,570,000 | 234,095,000 | 244,434,000 |
| Total loans | 152,099,000 | 158,099,000 | 159,140,000 | 164,496,000 |
| Allowance for loan losses | 1,832,000 | 1,850,000 | 1,903,000 | 1,904,000 |
| Securities available for sale | 53,523,000 | 54,081,000 | 53,704,000 | 52,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,556,000 | 186,999,000 | 194,898,000 | 208,546,000 |
| Interest-bearing deposits | 158,809,000 | 154,286,000 | 162,327,000 | 169,308,000 |
| Noninterest-bearing deposits | 31,747,000 | 32,713,000 | 32,571,000 | 39,238,000 |
| Equity capital | 19,877,000 | 20,295,000 | 21,735,000 | 19,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,288,000 | 6,749,000 | 10,394,000 | 14,242,000 |
| Interest expense | 1,007,000 | 2,154,000 | 3,452,000 | 4,860,000 |
| Net interest income | 2,281,000 | 4,595,000 | 6,942,000 | 9,382,000 |
| Noninterest income | 439,000 | 925,000 | 1,442,000 | 1,938,000 |
| Noninterest expense | 1,795,000 | 3,569,000 | 5,409,000 | 7,267,000 |
| Provision for loan losses | -3,000 | 2,000 | 7,000 | 5,000 |
| Pretax income | 928,000 | 1,949,000 | 2,968,000 | 4,048,000 |
| Income tax | 220,000 | 468,000 | 713,000 | 965,000 |
| Net income | 708,000 | 1,481,000 | 2,255,000 | 3,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,976,000 | 20,749,000 | 21,523,000 | 19,251,000 |
| Total capital | 21,808,000 | 22,599,000 | 23,426,000 | 21,155,000 |
| Risk-weighted assets | 167,735,000 | 175,708,000 | 176,539,000 | 180,748,000 |
Machine access — free, no API key
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