Call reports 2003
MONSON SAVINGS BANK — 2003
What MONSON SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 147,308,000 | 149,709,000 | 147,899,000 | 155,789,000 |
| Total loans | 108,202,000 | 106,835,000 | 109,047,000 | 111,134,000 |
| Allowance for loan losses | 2,042,000 | 2,042,000 | 2,035,000 | 2,072,000 |
| Securities available for sale | 30,976,000 | 35,445,000 | 30,743,000 | 33,183,000 |
| Securities held to maturity | 120,000 | 80,000 | 80,000 | 493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,293,000 | 126,040,000 | 124,072,000 | 131,551,000 |
| Interest-bearing deposits | 113,847,000 | 112,953,000 | 112,390,000 | 119,516,000 |
| Noninterest-bearing deposits | 10,446,000 | 13,087,000 | 11,682,000 | 12,035,000 |
| Equity capital | 11,781,000 | 12,281,000 | 12,649,000 | 12,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,055,000 | 4,085,000 | 6,067,000 | 8,119,000 |
| Interest expense | 765,000 | 1,489,000 | 2,172,000 | 2,833,000 |
| Net interest income | 1,290,000 | 2,596,000 | 3,895,000 | 5,286,000 |
| Noninterest income | 496,000 | 914,000 | 1,599,000 | 1,869,000 |
| Noninterest expense | 1,080,000 | 2,159,000 | 3,321,000 | 4,641,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 821,000 | 1,551,000 | 2,343,000 | 2,757,000 |
| Income tax | 307,000 | 602,000 | 909,000 | 1,076,000 |
| Net income | 514,000 | 949,000 | 1,434,000 | 1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,199,000 | 11,739,000 | 12,303,000 | 12,586,000 |
| Total capital | 12,594,000 | 13,102,000 | 13,675,000 | 14,033,000 |
| Risk-weighted assets | 111,626,000 | 108,337,000 | 109,107,000 | 111,809,000 |