Call reports 2021
MINSTER BANK — 2021
What MINSTER BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 680,317,000 | 674,006,000 | 720,999,000 | 755,344,000 |
| Total loans | 305,867,000 | 289,373,000 | 277,434,000 | 287,228,000 |
| Allowance for loan losses | 3,700,000 | 3,778,000 | 3,782,000 | 3,796,000 |
| Securities available for sale | 186,236,000 | 200,737,000 | 217,070,000 | 235,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 604,396,000 | 597,433,000 | 641,407,000 | 675,134,000 |
| Interest-bearing deposits | 421,987,000 | 418,952,000 | 448,634,000 | 473,902,000 |
| Noninterest-bearing deposits | 182,409,000 | 178,481,000 | 192,773,000 | 201,232,000 |
| Equity capital | 53,669,000 | 55,812,000 | 57,631,000 | 56,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,498,000 | 8,888,000 | 13,805,000 | 18,151,000 |
| Interest expense | 196,000 | 352,000 | 493,000 | 635,000 |
| Net interest income | 4,302,000 | 8,536,000 | 13,312,000 | 17,516,000 |
| Noninterest income | 1,521,000 | 2,918,000 | 4,386,000 | 5,824,000 |
| Noninterest expense | 3,197,000 | 6,420,000 | 9,906,000 | 13,565,000 |
| Provision for loan losses | 241,000 | 318,000 | 331,000 | 344,000 |
| Pretax income | 2,390,000 | 4,732,000 | 7,479,000 | 9,463,000 |
| Income tax | 550,000 | 998,000 | 1,533,000 | 1,906,000 |
| Net income | 1,840,000 | 3,734,000 | 5,946,000 | 7,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,534,000 | 53,428,000 | 55,639,000 | 56,251,000 |
| Total capital | 55,234,000 | 57,206,000 | 59,421,000 | 60,047,000 |
| Risk-weighted assets | 312,016,000 | 315,416,000 | 317,150,000 | 337,161,000 |