Call reports 2011
MONSON SAVINGS BANK — 2011
What MONSON SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 238,322,000 | 238,463,000 | 242,250,000 | 246,373,000 |
| Total loans | 159,170,000 | 159,849,000 | 161,058,000 | 160,793,000 |
| Allowance for loan losses | 3,204,000 | 3,028,000 | 3,111,000 | 2,960,000 |
| Securities available for sale | 29,926,000 | 30,815,000 | 31,531,000 | 28,992,000 |
| Securities held to maturity | 16,887,000 | 16,582,000 | 16,440,000 | 18,585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,560,000 | 193,553,000 | 199,523,000 | 206,710,000 |
| Interest-bearing deposits | 164,008,000 | 166,015,000 | 168,224,000 | 172,422,000 |
| Noninterest-bearing deposits | 25,552,000 | 27,538,000 | 31,299,000 | 34,288,000 |
| Equity capital | 21,321,000 | 21,872,000 | 22,449,000 | 22,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,449,000 | 4,895,000 | 7,362,000 | 9,815,000 |
| Interest expense | 656,000 | 1,287,000 | 1,887,000 | 2,430,000 |
| Net interest income | 1,793,000 | 3,608,000 | 5,475,000 | 7,385,000 |
| Noninterest income | 558,000 | 1,171,000 | 1,807,000 | 2,554,000 |
| Noninterest expense | 1,798,000 | 3,733,000 | 5,548,000 | 7,380,000 |
| Provision for loan losses | 33,000 | 79,000 | 121,000 | 651,000 |
| Pretax income | 641,000 | 1,134,000 | 1,813,000 | 2,113,000 |
| Income tax | 187,000 | 301,000 | 498,000 | 528,000 |
| Net income | 454,000 | 833,000 | 1,315,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,004,000 | 21,383,000 | 21,865,000 | 22,134,000 |
| Total capital | 22,790,000 | 23,153,000 | 23,587,000 | 23,959,000 |
| Risk-weighted assets | 141,433,000 | 140,313,000 | 136,354,000 | 144,896,000 |