Call reports 2008
MINSTER BANK — 2008
What MINSTER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 277,950,000 | 278,935,000 | 282,413,000 | 285,931,000 |
| Total loans | 167,086,000 | 167,451,000 | 171,583,000 | 181,377,000 |
| Allowance for loan losses | 1,940,000 | 1,936,000 | 1,927,000 | 2,000,000 |
| Securities available for sale | 56,372,000 | 54,109,000 | 53,765,000 | 53,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,427,000 | 244,443,000 | 247,718,000 | 252,513,000 |
| Interest-bearing deposits | 209,287,000 | 207,140,000 | 210,365,000 | 210,580,000 |
| Noninterest-bearing deposits | 37,140,000 | 37,303,000 | 37,353,000 | 41,933,000 |
| Equity capital | 21,310,000 | 21,526,000 | 22,448,000 | 21,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,946,000 | 7,846,000 | 11,756,000 | 15,632,000 |
| Interest expense | 1,386,000 | 2,641,000 | 3,828,000 | 4,870,000 |
| Net interest income | 2,560,000 | 5,205,000 | 7,928,000 | 10,762,000 |
| Noninterest income | 584,000 | 1,252,000 | 1,805,000 | 2,391,000 |
| Noninterest expense | 2,055,000 | 4,077,000 | 6,089,000 | 7,921,000 |
| Provision for loan losses | 1,000 | 2,000 | 15,000 | 107,000 |
| Pretax income | 1,088,000 | 2,378,000 | 3,629,000 | 4,092,000 |
| Income tax | 255,000 | 581,000 | 893,000 | 940,000 |
| Net income | 833,000 | 1,797,000 | 2,736,000 | 3,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,204,000 | 21,168,000 | 22,108,000 | 20,485,000 |
| Total capital | 22,144,000 | 23,104,000 | 24,035,000 | 22,485,000 |
| Risk-weighted assets | 197,131,000 | 196,775,000 | 197,106,000 | 199,862,000 |
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