Call reports 2002
MONSON SAVINGS BANK — 2002
What MONSON SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 131,706,000 | 133,146,000 | 143,969,000 | 142,340,000 |
| Total loans | 100,100,000 | 101,422,000 | 102,058,000 | 105,549,000 |
| Allowance for loan losses | 2,178,000 | 1,998,000 | 1,908,000 | 1,976,000 |
| Securities available for sale | 12,330,000 | 12,995,000 | 18,377,000 | 28,745,000 |
| Securities held to maturity | 11,143,000 | 10,088,000 | 11,656,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,936,000 | 115,389,000 | 122,448,000 | 119,970,000 |
| Interest-bearing deposits | 105,450,000 | 107,065,000 | 112,680,000 | 110,452,000 |
| Noninterest-bearing deposits | 8,486,000 | 8,324,000 | 9,768,000 | 9,518,000 |
| Equity capital | 9,997,000 | 10,286,000 | 10,555,000 | 11,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,145,000 | 4,319,000 | 6,460,000 | 8,588,000 |
| Interest expense | 880,000 | 1,753,000 | 2,634,000 | 3,479,000 |
| Net interest income | 1,265,000 | 2,566,000 | 3,826,000 | 5,109,000 |
| Noninterest income | 226,000 | 488,000 | 778,000 | 1,237,000 |
| Noninterest expense | 1,004,000 | 1,895,000 | 2,868,000 | 3,875,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 479,000 | 1,023,000 | 1,595,000 | 1,842,000 |
| Income tax | 181,000 | 389,000 | 614,000 | 708,000 |
| Net income | 298,000 | 634,000 | 981,000 | 1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,852,000 | 10,172,000 | 10,136,000 | 10,721,000 |
| Total capital | 11,000,000 | 11,428,000 | 11,508,000 | 12,015,000 |
| Risk-weighted assets | 90,790,000 | 99,517,000 | 109,222,000 | 103,119,000 |