Call reports 2019
MINSTER BANK — 2019
What MINSTER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 486,875,000 | 495,377,000 | 509,545,000 | 517,904,000 |
| Total loans | 237,379,000 | 243,366,000 | 242,832,000 | 259,045,000 |
| Allowance for loan losses | 2,888,000 | 2,890,000 | 2,854,000 | 2,888,000 |
| Securities available for sale | 112,214,000 | 122,553,000 | 122,449,000 | 125,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,034,000 | 434,355,000 | 445,848,000 | 450,848,000 |
| Interest-bearing deposits | 322,215,000 | 324,227,000 | 326,964,000 | 331,128,000 |
| Noninterest-bearing deposits | 105,818,000 | 110,128,000 | 118,884,000 | 119,720,000 |
| Equity capital | 41,880,000 | 44,510,000 | 46,588,000 | 43,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,412,000 | 8,934,000 | 13,575,000 | 18,186,000 |
| Interest expense | 453,000 | 954,000 | 1,500,000 | 2,050,000 |
| Net interest income | 3,959,000 | 7,980,000 | 12,075,000 | 16,136,000 |
| Noninterest income | 875,000 | 1,830,000 | 2,878,000 | 4,108,000 |
| Noninterest expense | 2,836,000 | 5,730,000 | 8,820,000 | 11,873,000 |
| Provision for loan losses | 6,000 | 7,000 | 19,000 | 54,000 |
| Pretax income | 1,994,000 | 4,078,000 | 6,118,000 | 8,324,000 |
| Income tax | 361,000 | 743,000 | 977,000 | 1,398,000 |
| Net income | 1,633,000 | 3,335,000 | 5,141,000 | 6,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,856,000 | 43,558,000 | 45,364,000 | 42,149,000 |
| Total capital | 44,744,000 | 46,448,000 | 48,218,000 | 45,037,000 |
| Risk-weighted assets | 275,097,000 | 284,696,000 | 285,814,000 | 299,104,000 |