Call reports 2013
MINSTER BANK — 2013
What MINSTER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 368,015,000 | 366,329,000 | 372,695,000 | 377,079,000 |
| Total loans | 184,343,000 | 193,596,000 | 194,590,000 | 209,074,000 |
| Allowance for loan losses | 3,288,000 | 3,297,000 | 3,237,000 | 3,041,000 |
| Securities available for sale | 61,456,000 | 70,138,000 | 77,735,000 | 79,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,669,000 | 315,864,000 | 322,197,000 | 327,647,000 |
| Interest-bearing deposits | 250,868,000 | 250,659,000 | 253,371,000 | 254,111,000 |
| Noninterest-bearing deposits | 65,801,000 | 65,205,000 | 68,826,000 | 73,536,000 |
| Equity capital | 30,842,000 | 31,137,000 | 32,227,000 | 31,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,911,000 | 5,841,000 | 8,806,000 | 11,883,000 |
| Interest expense | 227,000 | 441,000 | 650,000 | 849,000 |
| Net interest income | 2,684,000 | 5,400,000 | 8,156,000 | 11,034,000 |
| Noninterest income | 967,000 | 1,882,000 | 2,758,000 | 3,743,000 |
| Noninterest expense | 2,223,000 | 4,446,000 | 6,668,000 | 8,823,000 |
| Provision for loan losses | -1,000 | 8,000 | 9,000 | 13,000 |
| Pretax income | 1,410,000 | 2,809,000 | 4,168,000 | 5,824,000 |
| Income tax | 363,000 | 719,000 | 1,061,000 | 1,508,000 |
| Net income | 1,047,000 | 2,090,000 | 3,107,000 | 4,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,565,000 | 30,608,000 | 31,625,000 | 30,634,000 |
| Total capital | 32,020,000 | 33,229,000 | 34,309,000 | 33,461,000 |
| Risk-weighted assets | 195,564,000 | 208,998,000 | 214,176,000 | 225,913,000 |
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