Call reports 2015
MINSTER BANK — 2015
What MINSTER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 403,031,000 | 401,728,000 | 415,141,000 | 424,972,000 |
| Total loans | 217,367,000 | 221,116,000 | 226,064,000 | 232,601,000 |
| Allowance for loan losses | 2,888,000 | 2,842,000 | 2,847,000 | 2,860,000 |
| Securities available for sale | 88,473,000 | 97,883,000 | 99,397,000 | 100,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,928,000 | 349,349,000 | 362,395,000 | 369,413,000 |
| Interest-bearing deposits | 273,677,000 | 273,484,000 | 281,147,000 | 280,192,000 |
| Noninterest-bearing deposits | 77,251,000 | 75,865,000 | 81,248,000 | 89,221,000 |
| Equity capital | 34,410,000 | 35,155,000 | 36,554,000 | 35,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,182,000 | 6,444,000 | 9,736,000 | 13,079,000 |
| Interest expense | 176,000 | 361,000 | 550,000 | 736,000 |
| Net interest income | 3,006,000 | 6,083,000 | 9,186,000 | 12,343,000 |
| Noninterest income | 746,000 | 1,579,000 | 2,415,000 | 3,194,000 |
| Noninterest expense | 2,329,000 | 4,640,000 | 6,989,000 | 9,219,000 |
| Provision for loan losses | -1,000 | 1,000 | 4,000 | 5,000 |
| Pretax income | 1,424,000 | 3,018,000 | 4,605,000 | 6,300,000 |
| Income tax | 375,000 | 798,000 | 1,218,000 | 1,679,000 |
| Net income | 1,049,000 | 2,220,000 | 3,387,000 | 4,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,562,000 | 34,732,000 | 35,899,000 | 34,634,000 |
| Total capital | 36,450,000 | 37,574,000 | 38,746,000 | 37,494,000 |
| Risk-weighted assets | 237,706,000 | 241,735,000 | 248,857,000 | 252,258,000 |
Machine access — free, no API key
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