Call reports 2016
MINSTER BANK — 2016
What MINSTER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 444,056,000 | 435,302,000 | 455,747,000 | 465,950,000 |
| Total loans | 229,916,000 | 232,670,000 | 230,908,000 | 238,942,000 |
| Allowance for loan losses | 2,744,000 | 2,774,000 | 2,826,000 | 2,886,000 |
| Securities available for sale | 105,695,000 | 109,995,000 | 116,217,000 | 118,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,868,000 | 380,252,000 | 398,867,000 | 407,812,000 |
| Interest-bearing deposits | 300,642,000 | 291,393,000 | 305,037,000 | 313,280,000 |
| Noninterest-bearing deposits | 89,226,000 | 88,859,000 | 93,831,000 | 94,532,000 |
| Equity capital | 36,508,000 | 38,331,000 | 39,326,000 | 36,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,378,000 | 6,790,000 | 10,238,000 | 13,693,000 |
| Interest expense | 188,000 | 379,000 | 574,000 | 774,000 |
| Net interest income | 3,190,000 | 6,411,000 | 9,664,000 | 12,919,000 |
| Noninterest income | 779,000 | 1,767,000 | 2,759,000 | 3,801,000 |
| Noninterest expense | 2,411,000 | 4,784,000 | 7,242,000 | 9,617,000 |
| Provision for loan losses | 11,000 | 43,000 | 85,000 | 145,000 |
| Pretax income | 1,548,000 | 3,352,000 | 5,097,000 | 6,947,000 |
| Income tax | 418,000 | 920,000 | 1,406,000 | 1,932,000 |
| Net income | 1,130,000 | 2,432,000 | 3,691,000 | 5,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,763,000 | 37,065,000 | 38,324,000 | 36,848,000 |
| Total capital | 38,507,000 | 39,839,000 | 41,150,000 | 39,734,000 |
| Risk-weighted assets | 252,135,000 | 259,621,000 | 261,294,000 | 270,427,000 |
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