Call reports 2008
MUENSTER STATE BANK — 2008
What MUENSTER STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 95,877,000 | 111,320,000 | 118,049,000 | 121,786,000 |
| Total loans | 26,442,000 | 26,470,000 | 25,054,000 | 25,740,000 |
| Allowance for loan losses | 713,000 | 713,000 | 712,000 | 713,000 |
| Securities available for sale | 45,003,000 | 58,126,000 | 62,726,000 | 69,564,000 |
| Securities held to maturity | 10,232,000 | 13,972,000 | 17,305,000 | 17,279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,173,000 | 85,051,000 | 89,962,000 | 91,862,000 |
| Interest-bearing deposits | 60,441,000 | 65,972,000 | 69,740,000 | 72,268,000 |
| Noninterest-bearing deposits | 20,732,000 | 19,079,000 | 20,222,000 | 19,594,000 |
| Equity capital | 14,623,000 | 13,621,000 | 15,450,000 | 15,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,171,000 | 2,466,000 | 3,887,000 | 5,362,000 |
| Interest expense | 359,000 | 749,000 | 1,156,000 | 1,524,000 |
| Net interest income | 812,000 | 1,717,000 | 2,731,000 | 3,838,000 |
| Noninterest income | 121,000 | 244,000 | 407,000 | 576,000 |
| Noninterest expense | 343,000 | 729,000 | 1,144,000 | 1,830,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 590,000 | 1,232,000 | 1,994,000 | 2,584,000 |
| Income tax | 3,000 | 4,000 | 6,000 | 8,000 |
| Net income | 587,000 | 1,228,000 | 1,988,000 | 2,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,667,000 | 14,309,000 | 15,068,000 | 13,757,000 |
| Total capital | 14,193,000 | 14,841,000 | 15,584,000 | 14,288,000 |
| Risk-weighted assets | 41,917,000 | 42,382,000 | 41,096,000 | 42,270,000 |