Call reports 2017
MINSTER BANK — 2017
What MINSTER BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 466,349,000 | 455,446,000 | 466,404,000 | 476,462,000 |
| Total loans | 230,674,000 | 229,713,000 | 232,101,000 | 242,989,000 |
| Allowance for loan losses | 2,887,000 | 2,881,000 | 2,888,000 | 2,889,000 |
| Securities available for sale | 117,864,000 | 125,124,000 | 130,313,000 | 126,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,853,000 | 398,448,000 | 408,124,000 | 416,081,000 |
| Interest-bearing deposits | 319,072,000 | 305,117,000 | 311,710,000 | 309,546,000 |
| Noninterest-bearing deposits | 90,781,000 | 93,331,000 | 96,414,000 | 106,535,000 |
| Equity capital | 37,891,000 | 39,396,000 | 40,664,000 | 38,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,457,000 | 7,025,000 | 10,712,000 | 14,570,000 |
| Interest expense | 201,000 | 403,000 | 612,000 | 837,000 |
| Net interest income | 3,256,000 | 6,622,000 | 10,100,000 | 13,733,000 |
| Noninterest income | 811,000 | 1,689,000 | 2,583,000 | 3,422,000 |
| Noninterest expense | 2,588,000 | 5,121,000 | 7,622,000 | 10,279,000 |
| Provision for loan losses | 1,000 | 45,000 | 34,000 | 37,000 |
| Pretax income | 1,478,000 | 3,145,000 | 5,027,000 | 6,805,000 |
| Income tax | 394,000 | 851,000 | 1,378,000 | 2,239,000 |
| Net income | 1,084,000 | 2,294,000 | 3,649,000 | 4,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,932,000 | 39,143,000 | 40,498,000 | 39,165,000 |
| Total capital | 40,819,000 | 42,024,000 | 43,386,000 | 42,054,000 |
| Risk-weighted assets | 267,844,000 | 269,286,000 | 272,474,000 | 277,986,000 |