Call reports 2018
MINSTER BANK — 2018
What MINSTER BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 477,149,000 | 475,500,000 | 475,053,000 | 490,197,000 |
| Total loans | 236,050,000 | 242,651,000 | 244,950,000 | 242,353,000 |
| Allowance for loan losses | 2,894,000 | 2,898,000 | 2,892,000 | 2,889,000 |
| Securities available for sale | 122,559,000 | 117,603,000 | 118,113,000 | 113,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,139,000 | 416,338,000 | 414,937,000 | 427,201,000 |
| Interest-bearing deposits | 320,917,000 | 311,800,000 | 305,907,000 | 316,263,000 |
| Noninterest-bearing deposits | 98,223,000 | 104,538,000 | 109,030,000 | 110,938,000 |
| Equity capital | 39,385,000 | 40,788,000 | 42,054,000 | 39,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,755,000 | 7,681,000 | 11,811,000 | 16,165,000 |
| Interest expense | 265,000 | 557,000 | 873,000 | 1,219,000 |
| Net interest income | 3,490,000 | 7,124,000 | 10,938,000 | 14,946,000 |
| Noninterest income | 880,000 | 1,847,000 | 2,723,000 | 3,694,000 |
| Noninterest expense | 2,787,000 | 5,467,000 | 8,243,000 | 11,138,000 |
| Provision for loan losses | 15,000 | 26,000 | 21,000 | 18,000 |
| Pretax income | 1,595,000 | 3,508,000 | 5,428,000 | 7,502,000 |
| Income tax | 263,000 | 604,000 | 944,000 | 1,289,000 |
| Net income | 1,332,000 | 2,904,000 | 4,484,000 | 6,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,374,000 | 41,914,000 | 43,494,000 | 40,223,000 |
| Total capital | 43,268,000 | 44,812,000 | 46,386,000 | 43,112,000 |
| Risk-weighted assets | 271,792,000 | 277,197,000 | 281,095,000 | 278,040,000 |
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