Call reports 2004
MONSON SAVINGS BANK — 2004
What MONSON SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 158,655,000 | 162,917,000 | 165,339,000 | 167,523,000 |
| Total loans | 112,411,000 | 115,639,000 | 117,390,000 | 116,626,000 |
| Allowance for loan losses | 2,061,000 | 2,055,000 | 2,045,000 | 2,017,000 |
| Securities available for sale | 33,854,000 | 31,962,000 | 31,075,000 | 31,797,000 |
| Securities held to maturity | 1,785,000 | 4,216,000 | 4,200,000 | 4,719,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,919,000 | 135,297,000 | 131,250,000 | 129,714,000 |
| Interest-bearing deposits | 121,359,000 | 119,494,000 | 117,037,000 | 113,371,000 |
| Noninterest-bearing deposits | 12,560,000 | 15,803,000 | 14,213,000 | 16,343,000 |
| Equity capital | 13,234,000 | 13,211,000 | 13,600,000 | 13,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,013,000 | 4,005,000 | 6,129,000 | 8,302,000 |
| Interest expense | 658,000 | 1,293,000 | 1,958,000 | 2,643,000 |
| Net interest income | 1,355,000 | 2,712,000 | 4,171,000 | 5,659,000 |
| Noninterest income | 296,000 | 661,000 | 922,000 | 1,311,000 |
| Noninterest expense | 1,214,000 | 2,526,000 | 3,801,000 | 5,192,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 604,000 | 1,018,000 | 1,415,000 | 1,884,000 |
| Income tax | 236,000 | 397,000 | 552,000 | 735,000 |
| Net income | 368,000 | 621,000 | 863,000 | 1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,948,000 | 13,195,000 | 13,436,000 | 13,715,000 |
| Total capital | 14,459,000 | 14,711,000 | 14,967,000 | 15,250,000 |
| Risk-weighted assets | 116,877,000 | 116,893,000 | 119,731,000 | 116,612,000 |