Call reports 2010
MONSON SAVINGS BANK — 2010
What MONSON SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 232,758,000 | 235,036,000 | 234,876,000 | 236,070,000 |
| Total loans | 161,055,000 | 158,980,000 | 162,190,000 | 161,101,000 |
| Allowance for loan losses | 2,623,000 | 2,905,000 | 3,089,000 | 3,206,000 |
| Securities available for sale | 30,322,000 | 29,883,000 | 29,878,000 | 29,963,000 |
| Securities held to maturity | 15,196,000 | 16,210,000 | 16,591,000 | 16,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,020,000 | 177,867,000 | 179,776,000 | 182,390,000 |
| Interest-bearing deposits | 153,843,000 | 154,064,000 | 150,567,000 | 158,178,000 |
| Noninterest-bearing deposits | 22,177,000 | 23,803,000 | 29,209,000 | 24,212,000 |
| Equity capital | 19,588,000 | 20,031,000 | 20,441,000 | 20,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,704,000 | 5,345,000 | 7,988,000 | 10,612,000 |
| Interest expense | 887,000 | 1,696,000 | 2,452,000 | 3,168,000 |
| Net interest income | 1,817,000 | 3,649,000 | 5,536,000 | 7,444,000 |
| Noninterest income | 406,000 | 986,000 | 1,654,000 | 2,885,000 |
| Noninterest expense | 1,736,000 | 3,520,000 | 5,380,000 | 7,235,000 |
| Provision for loan losses | 225,000 | 478,000 | 599,000 | 773,000 |
| Pretax income | 262,000 | 637,000 | 1,211,000 | 2,321,000 |
| Income tax | 46,000 | 125,000 | 269,000 | 631,000 |
| Net income | 216,000 | 512,000 | 942,000 | 1,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,075,000 | 19,371,000 | 19,801,000 | 20,550,000 |
| Total capital | 20,940,000 | 21,169,000 | 21,638,000 | 22,370,000 |
| Risk-weighted assets | 148,426,000 | 142,770,000 | 145,670,000 | 144,200,000 |