Call reports 2005
MONSON SAVINGS BANK — 2005
What MONSON SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 174,488,000 | 177,912,000 | 179,885,000 | 185,128,000 |
| Total loans | 117,864,000 | 126,982,000 | 128,611,000 | 136,635,000 |
| Allowance for loan losses | 2,040,000 | 2,053,000 | 2,035,000 | 2,037,000 |
| Securities available for sale | 30,826,000 | 28,468,000 | 28,625,000 | 26,320,000 |
| Securities held to maturity | 5,544,000 | 8,431,000 | 8,154,000 | 8,472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,573,000 | 138,079,000 | 139,756,000 | 143,664,000 |
| Interest-bearing deposits | 118,502,000 | 120,540,000 | 123,407,000 | 126,047,000 |
| Noninterest-bearing deposits | 16,071,000 | 17,539,000 | 16,349,000 | 17,617,000 |
| Equity capital | 13,959,000 | 14,388,000 | 14,605,000 | 14,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,243,000 | 4,563,000 | 6,972,000 | 9,531,000 |
| Interest expense | 712,000 | 1,524,000 | 2,408,000 | 3,407,000 |
| Net interest income | 1,531,000 | 3,039,000 | 4,564,000 | 6,124,000 |
| Noninterest income | 379,000 | 629,000 | 907,000 | 1,121,000 |
| Noninterest expense | 1,315,000 | 2,640,000 | 3,929,000 | 5,235,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 602,000 | 994,000 | 1,531,000 | 1,995,000 |
| Income tax | 227,000 | 366,000 | 561,000 | 691,000 |
| Net income | 375,000 | 628,000 | 970,000 | 1,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,091,000 | 14,349,000 | 14,694,000 | 14,932,000 |
| Total capital | 15,629,000 | 15,975,000 | 14,874,000 | 16,612,000 |
| Risk-weighted assets | 118,830,000 | 125,185,000 | 126,585,000 | 127,110,000 |