Call reports 2005
MUENSTER STATE BANK — 2005
What MUENSTER STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,448,000 | 73,820,000 | 74,477,000 | 76,929,000 |
| Total loans | 18,191,000 | 17,426,000 | 20,297,000 | 21,302,000 |
| Allowance for loan losses | 721,000 | 722,000 | 723,000 | 723,000 |
| Securities available for sale | 34,914,000 | 32,249,000 | 31,571,000 | 29,785,000 |
| Securities held to maturity | 16,522,000 | 16,517,000 | 15,432,000 | 15,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,585,000 | 61,351,000 | 61,693,000 | 65,339,000 |
| Interest-bearing deposits | 51,728,000 | 48,403,000 | 48,325,000 | 49,722,000 |
| Noninterest-bearing deposits | 11,857,000 | 12,948,000 | 13,368,000 | 15,617,000 |
| Equity capital | 11,823,000 | 12,434,000 | 12,747,000 | 11,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 789,000 | 1,589,000 | 2,400,000 | 3,236,000 |
| Interest expense | 159,000 | 332,000 | 512,000 | 702,000 |
| Net interest income | 630,000 | 1,257,000 | 1,888,000 | 2,534,000 |
| Noninterest income | 91,000 | 193,000 | 291,000 | 403,000 |
| Noninterest expense | 227,000 | 434,000 | 672,000 | 1,145,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 494,000 | 1,016,000 | 1,507,000 | 1,792,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 494,000 | 1,016,000 | 1,507,000 | 1,790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,000,000 | 12,523,000 | 13,013,000 | 12,047,000 |
| Total capital | 12,373,000 | 12,893,000 | 13,415,000 | 12,468,000 |
| Risk-weighted assets | 29,463,000 | 29,212,000 | 31,865,000 | 33,403,000 |