Call reports 2003
MUENSTER STATE BANK — 2003
What MUENSTER STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 71,070,000 | 71,097,000 | 70,878,000 | 74,833,000 |
| Total loans | 19,105,000 | 19,432,000 | 19,818,000 | 19,764,000 |
| Allowance for loan losses | 683,000 | 685,000 | 695,000 | 693,000 |
| Securities available for sale | 27,322,000 | 30,620,000 | 30,651,000 | 29,960,000 |
| Securities held to maturity | 13,104,000 | 13,230,000 | 15,250,000 | 13,388,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,234,000 | 57,818,000 | 57,615,000 | 62,680,000 |
| Interest-bearing deposits | 49,443,000 | 48,380,000 | 47,656,000 | 51,013,000 |
| Noninterest-bearing deposits | 8,791,000 | 9,438,000 | 9,959,000 | 11,667,000 |
| Equity capital | 12,298,000 | 12,821,000 | 12,957,000 | 11,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 876,000 | 1,727,000 | 2,563,000 | 3,367,000 |
| Interest expense | 198,000 | 398,000 | 570,000 | 731,000 |
| Net interest income | 678,000 | 1,329,000 | 1,993,000 | 2,636,000 |
| Noninterest income | 68,000 | 132,000 | 214,000 | 307,000 |
| Noninterest expense | 185,000 | 369,000 | 591,000 | 973,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 561,000 | 1,092,000 | 1,660,000 | 2,014,000 |
| Income tax | 139,000 | 274,000 | 419,000 | 507,000 |
| Net income | 422,000 | 818,000 | 1,241,000 | 1,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,608,000 | 12,004,000 | 12,428,000 | 11,393,000 |
| Total capital | 11,953,000 | 12,371,000 | 12,791,000 | 11,768,000 |
| Risk-weighted assets | 27,230,000 | 29,003,000 | 28,716,000 | 29,660,000 |
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