Call reports 2014
MINSTER BANK — 2014
What MINSTER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 385,738,000 | 391,786,000 | 393,384,000 | 393,852,000 |
| Total loans | 203,739,000 | 209,060,000 | 208,923,000 | 222,280,000 |
| Allowance for loan losses | 3,050,000 | 3,008,000 | 2,998,000 | 2,984,000 |
| Securities available for sale | 80,096,000 | 82,091,000 | 85,063,000 | 86,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,623,000 | 339,200,000 | 340,133,000 | 340,234,000 |
| Interest-bearing deposits | 263,088,000 | 262,371,000 | 263,953,000 | 262,546,000 |
| Noninterest-bearing deposits | 71,536,000 | 76,829,000 | 76,179,000 | 77,688,000 |
| Equity capital | 32,241,000 | 33,411,000 | 34,426,000 | 33,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,057,000 | 6,151,000 | 9,469,000 | 12,676,000 |
| Interest expense | 192,000 | 384,000 | 577,000 | 751,000 |
| Net interest income | 2,865,000 | 5,767,000 | 8,892,000 | 11,925,000 |
| Noninterest income | 649,000 | 1,428,000 | 2,170,000 | 3,134,000 |
| Noninterest expense | 2,314,000 | 4,659,000 | 7,003,000 | 9,092,000 |
| Provision for loan losses | -1,000 | -2,000 | -2,000 | 1,000 |
| Pretax income | 1,201,000 | 2,536,000 | 4,071,000 | 5,938,000 |
| Income tax | 293,000 | 632,000 | 1,038,000 | 1,560,000 |
| Net income | 908,000 | 1,904,000 | 3,033,000 | 4,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,542,000 | 32,539,000 | 33,667,000 | 32,513,000 |
| Total capital | 34,329,000 | 35,417,000 | 36,517,000 | 35,497,000 |
| Risk-weighted assets | 222,683,000 | 230,091,000 | 227,882,000 | 239,069,000 |
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