Call reports 2007
MONSON SAVINGS BANK — 2007
What MONSON SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 207,421,000 | 214,004,000 | 212,428,000 | 210,930,000 |
| Total loans | 156,061,000 | 164,790,000 | 163,032,000 | 162,435,000 |
| Allowance for loan losses | 2,004,000 | 2,059,000 | 2,028,000 | 2,002,000 |
| Securities available for sale | 20,177,000 | 20,980,000 | 21,977,000 | 21,579,000 |
| Securities held to maturity | 14,758,000 | 14,476,000 | 14,126,000 | 14,922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,776,000 | 162,941,000 | 154,595,000 | 153,964,000 |
| Interest-bearing deposits | 146,363,000 | 142,768,000 | 135,778,000 | 134,814,000 |
| Noninterest-bearing deposits | 18,413,000 | 20,173,000 | 18,817,000 | 19,150,000 |
| Equity capital | 16,222,000 | 16,342,000 | 16,735,000 | 17,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,026,000 | 6,125,000 | 9,303,000 | 12,469,000 |
| Interest expense | 1,556,000 | 3,173,000 | 4,858,000 | 6,524,000 |
| Net interest income | 1,470,000 | 2,952,000 | 4,445,000 | 5,945,000 |
| Noninterest income | 244,000 | 508,000 | 832,000 | 1,367,000 |
| Noninterest expense | 1,439,000 | 2,963,000 | 4,503,000 | 6,248,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 257,000 | 480,000 | 717,000 | 997,000 |
| Income tax | 44,000 | 77,000 | 114,000 | 162,000 |
| Net income | 213,000 | 403,000 | 603,000 | 835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,175,000 | 16,365,000 | 16,564,000 | 16,799,000 |
| Total capital | 18,068,000 | 18,392,000 | 18,592,000 | 18,724,000 |
| Risk-weighted assets | 143,841,000 | 152,069,000 | 151,538,000 | 146,238,000 |