Call reports 2007
MINSTER BANK — 2007
What MINSTER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 246,932,000 | 250,100,000 | 253,369,000 | 258,188,000 |
| Total loans | 161,032,000 | 161,196,000 | 161,234,000 | 167,378,000 |
| Allowance for loan losses | 1,903,000 | 1,903,000 | 1,938,000 | 1,942,000 |
| Securities available for sale | 51,875,000 | 53,196,000 | 58,590,000 | 56,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,488,000 | 212,202,000 | 213,324,000 | 219,985,000 |
| Interest-bearing deposits | 172,884,000 | 176,037,000 | 180,392,000 | 182,659,000 |
| Noninterest-bearing deposits | 35,604,000 | 36,165,000 | 32,932,000 | 37,326,000 |
| Equity capital | 20,068,000 | 20,406,000 | 21,699,000 | 19,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,844,000 | 7,859,000 | 11,986,000 | 16,041,000 |
| Interest expense | 1,488,000 | 3,046,000 | 4,694,000 | 6,258,000 |
| Net interest income | 2,356,000 | 4,813,000 | 7,292,000 | 9,783,000 |
| Noninterest income | 484,000 | 948,000 | 1,480,000 | 2,029,000 |
| Noninterest expense | 1,941,000 | 3,939,000 | 5,919,000 | 7,837,000 |
| Provision for loan losses | 0 | 1,000 | 3,000 | 9,000 |
| Pretax income | 840,000 | 1,762,000 | 2,791,000 | 3,911,000 |
| Income tax | 182,000 | 391,000 | 633,000 | 891,000 |
| Net income | 658,000 | 1,371,000 | 2,158,000 | 3,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,909,000 | 20,623,000 | 21,409,000 | 19,371,000 |
| Total capital | 21,812,000 | 22,526,000 | 23,347,000 | 21,313,000 |
| Risk-weighted assets | 178,997,000 | 179,529,000 | 184,619,000 | 188,496,000 |
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