Call reports 2002
MUENSTER STATE BANK — 2002
What MUENSTER STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 68,228,000 | 68,967,000 | 67,397,000 | 67,453,000 |
| Total loans | 20,630,000 | 20,264,000 | 20,822,000 | 20,293,000 |
| Allowance for loan losses | 654,000 | 662,000 | 655,000 | 665,000 |
| Securities available for sale | 28,922,000 | 29,845,000 | 28,815,000 | 29,368,000 |
| Securities held to maturity | 13,125,000 | 13,528,000 | 12,876,000 | 12,379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,243,000 | 56,225,000 | 53,924,000 | 55,103,000 |
| Interest-bearing deposits | 47,437,000 | 47,483,000 | 44,674,000 | 45,040,000 |
| Noninterest-bearing deposits | 8,806,000 | 8,742,000 | 9,250,000 | 10,063,000 |
| Equity capital | 11,665,000 | 12,381,000 | 13,011,000 | 11,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 982,000 | 1,933,000 | 2,878,000 | 3,790,000 |
| Interest expense | 270,000 | 517,000 | 739,000 | 940,000 |
| Net interest income | 712,000 | 1,416,000 | 2,139,000 | 2,850,000 |
| Noninterest income | 55,000 | 120,000 | 188,000 | 264,000 |
| Noninterest expense | 189,000 | 381,000 | 602,000 | 997,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 578,000 | 1,155,000 | 1,725,000 | 2,117,000 |
| Income tax | 115,000 | 292,000 | 446,000 | 551,000 |
| Net income | 463,000 | 863,000 | 1,279,000 | 1,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,384,000 | 11,784,000 | 12,199,000 | 11,186,000 |
| Total capital | 11,738,000 | 12,135,000 | 12,553,000 | 11,533,000 |
| Risk-weighted assets | 27,986,000 | 27,805,000 | 28,009,000 | 27,407,000 |