Call reports 2024
MINSTER BANK — 2024
What MINSTER BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 718,049,000 | 734,254,000 | 740,631,000 | 757,664,000 |
| Total loans | 347,696,000 | 357,377,000 | 366,779,000 | 378,028,000 |
| Allowance for loan losses | 4,046,000 | 4,358,000 | 4,914,000 | 4,604,000 |
| Securities available for sale | 242,874,000 | 233,603,000 | 242,017,000 | 232,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 647,812,000 | 658,942,000 | 657,401,000 | 678,651,000 |
| Interest-bearing deposits | 483,576,000 | 492,814,000 | 489,491,000 | 508,196,000 |
| Noninterest-bearing deposits | 164,236,000 | 166,128,000 | 167,910,000 | 170,455,000 |
| Equity capital | 50,822,000 | 53,836,000 | 61,303,000 | 54,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 7,956,000 | 16,134,000 | 24,826,000 | 33,572,000 |
| Interest expense | 2,582,000 | 5,296,000 | 8,101,000 | 10,773,000 |
| Net interest income | 5,374,000 | 10,838,000 | 16,725,000 | 22,799,000 |
| Noninterest income | 1,289,000 | 2,751,000 | 4,122,000 | 5,402,000 |
| Noninterest expense | 3,871,000 | 7,606,000 | 11,471,000 | 15,494,000 |
| Provision for loan losses | 185,000 | 497,000 | 1,063,000 | 873,000 |
| Pretax income | 2,620,000 | 5,507,000 | 8,385,000 | 11,931,000 |
| Income tax | 505,000 | 1,068,000 | 1,622,000 | 2,312,000 |
| Net income | 2,115,000 | 4,439,000 | 6,763,000 | 9,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,282,000 | 72,605,000 | 74,930,000 | 71,786,000 |
| Total capital | 74,706,000 | 77,328,000 | 80,098,000 | 76,692,000 |
| Risk-weighted assets | 410,366,000 | 411,228,000 | 413,479,000 | 423,439,000 |