Call reports 2009
MONSON SAVINGS BANK — 2009
What MONSON SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 232,733,000 | 230,357,000 | 235,557,000 | 234,974,000 |
| Total loans | 168,071,000 | 169,524,000 | 161,677,000 | 161,885,000 |
| Allowance for loan losses | 2,110,000 | 2,181,000 | 2,463,000 | 2,959,000 |
| Securities available for sale | 27,510,000 | 30,573,000 | 32,212,000 | 30,841,000 |
| Securities held to maturity | 13,492,000 | 13,816,000 | 13,830,000 | 14,315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,447,000 | 171,410,000 | 174,170,000 | 176,519,000 |
| Interest-bearing deposits | 151,455,000 | 150,226,000 | 152,310,000 | 153,432,000 |
| Noninterest-bearing deposits | 20,992,000 | 21,184,000 | 21,860,000 | 23,087,000 |
| Equity capital | 18,172,000 | 18,614,000 | 19,281,000 | 19,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,981,000 | 5,949,000 | 8,769,000 | 11,582,000 |
| Interest expense | 1,232,000 | 2,408,000 | 3,546,000 | 4,582,000 |
| Net interest income | 1,749,000 | 3,541,000 | 5,223,000 | 7,000,000 |
| Noninterest income | 594,000 | 1,253,000 | 2,013,000 | 2,653,000 |
| Noninterest expense | 1,706,000 | 3,597,000 | 5,317,000 | 7,122,000 |
| Provision for loan losses | 207,000 | 420,000 | 700,000 | 1,216,000 |
| Pretax income | 375,000 | 702,000 | 1,115,000 | 1,391,000 |
| Income tax | 84,000 | 143,000 | 241,000 | 285,000 |
| Net income | 291,000 | 559,000 | 874,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,740,000 | 18,228,000 | 18,509,000 | 18,715,000 |
| Total capital | 19,692,000 | 20,136,000 | 20,460,000 | 20,593,000 |
| Risk-weighted assets | 156,004,000 | 152,403,000 | 151,190,000 | 149,175,000 |