Call reports 2025
MINSTER BANK — 2025
What MINSTER BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 778,145,000 | 773,458,000 | 805,945,000 | 802,192,000 |
| Total loans | 391,041,000 | 403,865,000 | 407,501,000 | 441,528,000 |
| Allowance for loan losses | 4,764,000 | 4,835,000 | 4,808,000 | 4,866,000 |
| Securities available for sale | 231,978,000 | 233,738,000 | 255,157,000 | 254,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 696,249,000 | 683,421,000 | 715,646,000 | 706,872,000 |
| Interest-bearing deposits | 525,201,000 | 513,444,000 | 545,322,000 | 541,594,000 |
| Noninterest-bearing deposits | 171,048,000 | 169,977,000 | 170,324,000 | 165,278,000 |
| Equity capital | 56,990,000 | 61,664,000 | 66,949,000 | 66,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,873,000 | 17,863,000 | 27,495,000 | 37,273,000 |
| Interest expense | 2,475,000 | 4,857,000 | 7,644,000 | 10,349,000 |
| Net interest income | 6,398,000 | 13,006,000 | 19,851,000 | 26,924,000 |
| Noninterest income | 1,339,000 | 2,817,000 | 4,319,000 | 5,933,000 |
| Noninterest expense | 4,181,000 | 8,504,000 | 12,889,000 | 17,509,000 |
| Provision for loan losses | 148,000 | 221,000 | 233,000 | 336,000 |
| Pretax income | 3,392,000 | 7,066,000 | 11,027,000 | 14,966,000 |
| Income tax | 655,000 | 1,377,000 | 2,159,000 | 2,925,000 |
| Net income | 2,737,000 | 5,689,000 | 8,868,000 | 12,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,522,000 | 75,475,000 | 78,653,000 | 76,826,000 |
| Total capital | 77,603,000 | 80,625,000 | 83,726,000 | 81,973,000 |
| Risk-weighted assets | 438,732,000 | 452,207,000 | 454,779,000 | 486,608,000 |