Call reports 2015
MUENSTER STATE BANK — 2015
What MUENSTER STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 170,796,000 | 167,926,000 | 168,875,000 | 173,102,000 |
| Total loans | 35,953,000 | 33,506,000 | 32,674,000 | 34,773,000 |
| Allowance for loan losses | 645,000 | 645,000 | 645,000 | 636,000 |
| Securities available for sale | 87,978,000 | 80,976,000 | 86,329,000 | 88,901,000 |
| Securities held to maturity | 35,658,000 | 38,714,000 | 39,308,000 | 38,795,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,989,000 | 135,219,000 | 134,929,000 | 141,343,000 |
| Interest-bearing deposits | 102,267,000 | 98,953,000 | 99,450,000 | 103,706,000 |
| Noninterest-bearing deposits | 35,722,000 | 36,266,000 | 35,479,000 | 37,637,000 |
| Equity capital | 24,075,000 | 23,976,000 | 25,215,000 | 23,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,235,000 | 2,387,000 | 3,507,000 | 4,673,000 |
| Interest expense | 77,000 | 152,000 | 227,000 | 303,000 |
| Net interest income | 1,158,000 | 2,235,000 | 3,280,000 | 4,370,000 |
| Noninterest income | 130,000 | 267,000 | 417,000 | 567,000 |
| Noninterest expense | 499,000 | 965,000 | 1,492,000 | 2,413,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 897,000 | 1,664,000 | 2,332,000 | 2,651,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 897,000 | 1,664,000 | 2,332,000 | 2,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,813,000 | 22,581,000 | 23,249,000 | 21,767,000 |
| Total capital | 22,458,000 | 23,226,000 | 23,894,000 | 22,403,000 |
| Risk-weighted assets | 61,723,000 | 58,115,000 | 59,011,000 | 61,040,000 |