Call reports 2013
MONSON SAVINGS BANK — 2013
What MONSON SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 259,481,000 | 263,198,000 | 271,370,000 | 267,214,000 |
| Total loans | 184,784,000 | 187,471,000 | 192,959,000 | 197,787,000 |
| Allowance for loan losses | 3,346,000 | 3,199,000 | 3,095,000 | 3,309,000 |
| Securities available for sale | 24,159,000 | 24,065,000 | 24,078,000 | 24,013,000 |
| Securities held to maturity | 22,870,000 | 22,101,000 | 21,280,000 | 21,481,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,248,000 | 224,317,000 | 231,656,000 | 228,257,000 |
| Interest-bearing deposits | 185,039,000 | 173,170,000 | 191,236,000 | 190,116,000 |
| Noninterest-bearing deposits | 36,209,000 | 51,147,000 | 40,420,000 | 38,141,000 |
| Equity capital | 25,184,000 | 25,592,000 | 25,865,000 | 26,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,442,000 | 4,891,000 | 7,362,000 | 9,871,000 |
| Interest expense | 428,000 | 862,000 | 1,305,000 | 1,742,000 |
| Net interest income | 2,014,000 | 4,029,000 | 6,057,000 | 8,129,000 |
| Noninterest income | 784,000 | 1,868,000 | 2,669,000 | 3,471,000 |
| Noninterest expense | 2,104,000 | 4,284,000 | 6,439,000 | 8,626,000 |
| Provision for loan losses | 46,000 | 51,000 | 105,000 | 365,000 |
| Pretax income | 648,000 | 1,607,000 | 2,228,000 | 2,867,000 |
| Income tax | 172,000 | 472,000 | 638,000 | 795,000 |
| Net income | 476,000 | 1,135,000 | 1,590,000 | 2,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,725,000 | 25,368,000 | 25,817,000 | 26,271,000 |
| Total capital | 26,812,000 | 27,542,000 | 28,065,000 | 28,560,000 |
| Risk-weighted assets | 165,667,000 | 172,919,000 | 178,985,000 | 182,124,000 |