Call reports 2014
MUENSTER STATE BANK — 2014
What MUENSTER STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 165,265,000 | 165,189,000 | 170,636,000 | 173,970,000 |
| Total loans | 35,667,000 | 34,350,000 | 35,386,000 | 36,001,000 |
| Allowance for loan losses | 560,000 | 531,000 | 584,000 | 585,000 |
| Securities available for sale | 91,752,000 | 90,294,000 | 98,084,000 | 95,302,000 |
| Securities held to maturity | 22,336,000 | 22,997,000 | 22,561,000 | 23,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,575,000 | 133,470,000 | 138,303,000 | 142,533,000 |
| Interest-bearing deposits | 104,527,000 | 102,747,000 | 104,178,000 | 106,625,000 |
| Noninterest-bearing deposits | 31,048,000 | 30,723,000 | 34,125,000 | 35,908,000 |
| Equity capital | 20,959,000 | 22,988,000 | 23,601,000 | 22,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,293,000 | 2,562,000 | 3,804,000 | 5,069,000 |
| Interest expense | 76,000 | 150,000 | 225,000 | 303,000 |
| Net interest income | 1,217,000 | 2,412,000 | 3,579,000 | 4,766,000 |
| Noninterest income | 146,000 | 293,000 | 435,000 | 595,000 |
| Noninterest expense | 487,000 | 998,000 | 1,528,000 | 2,502,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 1,138,000 | 2,032,000 | 2,859,000 | 3,232,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,138,000 | 2,032,000 | 2,859,000 | 3,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,822,000 | 21,717,000 | 22,542,000 | 20,917,000 |
| Total capital | 21,382,000 | 22,248,000 | 23,126,000 | 21,502,000 |
| Risk-weighted assets | 61,099,000 | 60,252,000 | 61,388,000 | 61,610,000 |