Call reports 2009
MINSTER BANK — 2009
What MINSTER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 280,340,000 | 280,511,000 | 276,780,000 | 292,274,000 |
| Total loans | 178,679,000 | 181,264,000 | 181,212,000 | 183,455,000 |
| Allowance for loan losses | 2,024,000 | 2,050,000 | 2,136,000 | 2,474,000 |
| Securities available for sale | 53,364,000 | 52,155,000 | 53,484,000 | 53,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,276,000 | 244,995,000 | 238,831,000 | 254,941,000 |
| Interest-bearing deposits | 206,611,000 | 206,657,000 | 201,884,000 | 208,357,000 |
| Noninterest-bearing deposits | 40,665,000 | 38,338,000 | 36,947,000 | 46,584,000 |
| Equity capital | 22,783,000 | 23,636,000 | 25,156,000 | 21,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,830,000 | 7,388,000 | 10,934,000 | 14,403,000 |
| Interest expense | 851,000 | 1,593,000 | 2,272,000 | 2,877,000 |
| Net interest income | 2,979,000 | 5,795,000 | 8,662,000 | 11,526,000 |
| Noninterest income | 1,075,000 | 1,749,000 | 2,370,000 | 3,045,000 |
| Noninterest expense | 2,042,000 | 4,269,000 | 6,414,000 | 8,563,000 |
| Provision for loan losses | 71,000 | 162,000 | 254,000 | 477,000 |
| Pretax income | 1,946,000 | 3,131,000 | 4,382,000 | 5,566,000 |
| Income tax | 544,000 | 827,000 | 1,134,000 | 1,419,000 |
| Net income | 1,402,000 | 2,304,000 | 3,248,000 | 4,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,811,000 | 22,827,000 | 23,771,000 | 20,570,000 |
| Total capital | 23,835,000 | 24,877,000 | 25,907,000 | 23,044,000 |
| Risk-weighted assets | 193,841,000 | 198,353,000 | 196,597,000 | 198,580,000 |
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