Call reports 2012
MINSTER BANK — 2012
What MINSTER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 341,386,000 | 345,901,000 | 346,904,000 | 366,772,000 |
| Total loans | 183,236,000 | 187,493,000 | 187,118,000 | 195,815,000 |
| Allowance for loan losses | 3,340,000 | 3,342,000 | 3,361,000 | 3,286,000 |
| Securities available for sale | 67,156,000 | 68,842,000 | 70,172,000 | 64,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,801,000 | 296,408,000 | 294,596,000 | 312,805,000 |
| Interest-bearing deposits | 234,708,000 | 236,676,000 | 232,489,000 | 243,161,000 |
| Noninterest-bearing deposits | 59,093,000 | 59,733,000 | 62,106,000 | 69,644,000 |
| Equity capital | 27,950,000 | 29,130,000 | 30,383,000 | 29,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,086,000 | 6,145,000 | 9,284,000 | 12,340,000 |
| Interest expense | 297,000 | 588,000 | 862,000 | 1,109,000 |
| Net interest income | 2,789,000 | 5,557,000 | 8,422,000 | 11,231,000 |
| Noninterest income | 818,000 | 1,719,000 | 2,726,000 | 3,739,000 |
| Noninterest expense | 2,181,000 | 4,308,000 | 6,452,000 | 8,728,000 |
| Provision for loan losses | 74,000 | 77,000 | 108,000 | 137,000 |
| Pretax income | 1,352,000 | 2,894,000 | 4,592,000 | 6,109,000 |
| Income tax | 328,000 | 723,000 | 1,181,000 | 1,574,000 |
| Net income | 1,024,000 | 2,171,000 | 3,411,000 | 4,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,507,000 | 27,654,000 | 28,893,000 | 28,519,000 |
| Total capital | 28,974,000 | 30,262,000 | 31,423,000 | 31,117,000 |
| Risk-weighted assets | 196,482,000 | 207,881,000 | 201,533,000 | 207,133,000 |
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