Call reports 2004
MUENSTER STATE BANK — 2004
What MUENSTER STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 72,846,000 | 73,567,000 | 74,664,000 | 74,282,000 |
| Total loans | 18,912,000 | 18,488,000 | 18,284,000 | 17,971,000 |
| Allowance for loan losses | 704,000 | 705,000 | 716,000 | 714,000 |
| Securities available for sale | 32,191,000 | 33,665,000 | 33,359,000 | 30,430,000 |
| Securities held to maturity | 13,838,000 | 15,948,000 | 13,876,000 | 17,342,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,070,000 | 61,305,000 | 61,668,000 | 62,588,000 |
| Interest-bearing deposits | 49,981,000 | 50,366,000 | 50,027,000 | 49,235,000 |
| Noninterest-bearing deposits | 10,089,000 | 10,939,000 | 11,641,000 | 13,353,000 |
| Equity capital | 12,328,000 | 12,216,000 | 12,831,000 | 11,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 784,000 | 1,560,000 | 2,346,000 | 3,119,000 |
| Interest expense | 158,000 | 311,000 | 462,000 | 612,000 |
| Net interest income | 626,000 | 1,249,000 | 1,884,000 | 2,507,000 |
| Noninterest income | 77,000 | 171,000 | 261,000 | 359,000 |
| Noninterest expense | 208,000 | 396,000 | 616,000 | 1,032,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 495,000 | 1,024,000 | 1,529,000 | 1,834,000 |
| Income tax | 123,000 | 232,000 | 356,000 | 421,000 |
| Net income | 372,000 | 792,000 | 1,173,000 | 1,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,765,000 | 12,185,000 | 12,566,000 | 11,506,000 |
| Total capital | 12,127,000 | 12,548,000 | 12,927,000 | 11,870,000 |
| Risk-weighted assets | 28,607,000 | 28,718,000 | 28,508,000 | 28,773,000 |