Call reports 2008
MONSON SAVINGS BANK — 2008
What MONSON SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 219,861,000 | 217,641,000 | 221,317,000 | 220,160,000 |
| Total loans | 166,439,000 | 167,803,000 | 165,296,000 | 166,465,000 |
| Allowance for loan losses | 1,972,000 | 1,982,000 | 1,979,000 | 1,858,000 |
| Securities available for sale | 22,182,000 | 21,885,000 | 24,951,000 | 26,972,000 |
| Securities held to maturity | 14,065,000 | 14,041,000 | 13,346,000 | 13,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,508,000 | 163,387,000 | 164,709,000 | 161,372,000 |
| Interest-bearing deposits | 140,376,000 | 142,480,000 | 144,197,000 | 141,688,000 |
| Noninterest-bearing deposits | 20,132,000 | 20,907,000 | 20,512,000 | 19,684,000 |
| Equity capital | 17,405,000 | 17,322,000 | 17,516,000 | 17,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,115,000 | 6,163,000 | 9,171,000 | 12,166,000 |
| Interest expense | 1,572,000 | 2,963,000 | 4,259,000 | 5,543,000 |
| Net interest income | 1,543,000 | 3,200,000 | 4,912,000 | 6,623,000 |
| Noninterest income | 383,000 | 721,000 | 1,075,000 | 1,259,000 |
| Noninterest expense | 1,615,000 | 3,297,000 | 4,977,000 | 6,710,000 |
| Provision for loan losses | 0 | 1,000 | 0 | 0 |
| Pretax income | 294,000 | 643,000 | 979,000 | 1,034,000 |
| Income tax | 53,000 | 125,000 | 196,000 | 160,000 |
| Net income | 241,000 | 518,000 | 783,000 | 874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,031,000 | 17,397,000 | 17,609,000 | 17,529,000 |
| Total capital | 18,944,000 | 19,289,000 | 19,468,000 | 19,387,000 |
| Risk-weighted assets | 148,963,000 | 151,224,000 | 148,572,000 | 150,826,000 |