Call reports 2006
MONSON SAVINGS BANK — 2006
What MONSON SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 190,091,000 | 194,174,000 | 199,845,000 | 203,196,000 |
| Total loans | 139,926,000 | 148,091,000 | 151,250,000 | 154,536,000 |
| Allowance for loan losses | 2,002,000 | 1,966,000 | 1,958,000 | 1,992,000 |
| Securities available for sale | 25,307,000 | 24,084,000 | 24,300,000 | 19,769,000 |
| Securities held to maturity | 8,986,000 | 9,408,000 | 10,498,000 | 14,769,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,077,000 | 152,040,000 | 156,112,000 | 154,935,000 |
| Interest-bearing deposits | 129,985,000 | 132,976,000 | 138,267,000 | 136,433,000 |
| Noninterest-bearing deposits | 18,092,000 | 19,064,000 | 17,845,000 | 18,502,000 |
| Equity capital | 14,993,000 | 15,170,000 | 15,727,000 | 15,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,647,000 | 5,418,000 | 8,348,000 | 11,330,000 |
| Interest expense | 1,038,000 | 2,196,000 | 3,582,000 | 5,075,000 |
| Net interest income | 1,609,000 | 3,222,000 | 4,766,000 | 6,255,000 |
| Noninterest income | 243,000 | 496,000 | 759,000 | 1,009,000 |
| Noninterest expense | 1,397,000 | 2,832,000 | 4,302,000 | 5,841,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 466,000 | 901,000 | 1,244,000 | 1,385,000 |
| Income tax | 143,000 | 275,000 | 364,000 | 367,000 |
| Net income | 323,000 | 626,000 | 880,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,256,000 | 15,562,000 | 15,819,000 | 15,961,000 |
| Total capital | 17,004,000 | 17,422,000 | 17,728,000 | 17,905,000 |
| Risk-weighted assets | 131,872,000 | 142,868,000 | 144,284,000 | 146,613,000 |