Call reports 2010
MINSTER BANK — 2010
What MINSTER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 298,895,000 | 300,354,000 | 300,187,000 | 306,841,000 |
| Total loans | 183,091,000 | 184,365,000 | 185,901,000 | 185,856,000 |
| Allowance for loan losses | 2,584,000 | 2,648,000 | 2,668,000 | 2,809,000 |
| Securities available for sale | 56,381,000 | 54,830,000 | 59,309,000 | 59,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,075,000 | 268,357,000 | 265,956,000 | 272,405,000 |
| Interest-bearing deposits | 221,051,000 | 223,140,000 | 219,850,000 | 219,317,000 |
| Noninterest-bearing deposits | 45,024,000 | 45,217,000 | 46,106,000 | 53,088,000 |
| Equity capital | 22,487,000 | 23,417,000 | 24,800,000 | 23,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,348,000 | 6,700,000 | 10,138,000 | 13,476,000 |
| Interest expense | 583,000 | 1,138,000 | 1,605,000 | 2,002,000 |
| Net interest income | 2,765,000 | 5,562,000 | 8,533,000 | 11,474,000 |
| Noninterest income | 538,000 | 1,144,000 | 1,941,000 | 2,741,000 |
| Noninterest expense | 2,090,000 | 4,141,000 | 6,232,000 | 8,364,000 |
| Provision for loan losses | 147,000 | 269,000 | 438,000 | 627,000 |
| Pretax income | 1,074,000 | 2,306,000 | 3,814,000 | 5,236,000 |
| Income tax | 250,000 | 552,000 | 945,000 | 1,310,000 |
| Net income | 824,000 | 1,754,000 | 2,869,000 | 3,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,394,000 | 22,324,000 | 23,439,000 | 22,996,000 |
| Total capital | 23,892,000 | 24,824,000 | 25,956,000 | 25,472,000 |
| Risk-weighted assets | 199,748,000 | 199,871,000 | 201,195,000 | 197,731,000 |
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