Call reports 2012
MONSON SAVINGS BANK — 2012
What MONSON SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 251,126,000 | 246,207,000 | 251,961,000 | 256,259,000 |
| Total loans | 163,234,000 | 172,673,000 | 186,335,000 | 185,333,000 |
| Allowance for loan losses | 2,998,000 | 2,940,000 | 3,083,000 | 3,168,000 |
| Securities available for sale | 29,430,000 | 28,404,000 | 25,942,000 | 24,676,000 |
| Securities held to maturity | 18,850,000 | 19,819,000 | 21,129,000 | 22,408,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,241,000 | 205,814,000 | 212,060,000 | 218,235,000 |
| Interest-bearing deposits | 37,517,000 | 171,099,000 | 165,460,000 | 168,808,000 |
| Noninterest-bearing deposits | 173,724,000 | 34,715,000 | 46,600,000 | 49,427,000 |
| Equity capital | 23,119,000 | 23,617,000 | 24,023,000 | 24,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,404,000 | 4,818,000 | 7,316,000 | 9,799,000 |
| Interest expense | 504,000 | 982,000 | 1,434,000 | 1,869,000 |
| Net interest income | 1,900,000 | 3,836,000 | 5,882,000 | 7,930,000 |
| Noninterest income | 797,000 | 1,585,000 | 2,410,000 | 3,521,000 |
| Noninterest expense | 1,871,000 | 3,820,000 | 5,841,000 | 8,066,000 |
| Provision for loan losses | 56,000 | 201,000 | 561,000 | 864,000 |
| Pretax income | 770,000 | 1,474,000 | 1,964,000 | 2,684,000 |
| Income tax | 219,000 | 409,000 | 515,000 | 698,000 |
| Net income | 551,000 | 1,065,000 | 1,449,000 | 1,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,686,000 | 23,102,000 | 23,493,000 | 24,119,000 |
| Total capital | 24,623,000 | 25,143,000 | 25,658,000 | 26,215,000 |
| Risk-weighted assets | 153,901,000 | 162,420,000 | 172,280,000 | 166,620,000 |