Call reports 2014
MONSON SAVINGS BANK — 2014
What MONSON SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 272,827,000 | 278,388,000 | 278,095,000 | 289,816,000 |
| Total loans | 200,787,000 | 203,280,000 | 206,300,000 | 211,301,000 |
| Allowance for loan losses | 3,199,000 | 3,243,000 | 3,241,000 | 3,509,000 |
| Securities available for sale | 23,320,000 | 22,914,000 | 22,028,000 | 19,873,000 |
| Securities held to maturity | 22,010,000 | 22,555,000 | 23,590,000 | 25,259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,433,000 | 242,606,000 | 243,463,000 | 253,837,000 |
| Interest-bearing deposits | 197,882,000 | 204,936,000 | 186,221,000 | 192,880,000 |
| Noninterest-bearing deposits | 36,551,000 | 37,670,000 | 57,242,000 | 60,957,000 |
| Equity capital | 26,642,000 | 27,197,000 | 27,643,000 | 28,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,548,000 | 5,125,000 | 7,711,000 | 10,325,000 |
| Interest expense | 424,000 | 863,000 | 1,293,000 | 1,726,000 |
| Net interest income | 2,124,000 | 4,262,000 | 6,418,000 | 8,599,000 |
| Noninterest income | 598,000 | 1,188,000 | 1,931,000 | 2,575,000 |
| Noninterest expense | 2,244,000 | 4,427,000 | 6,681,000 | 8,857,000 |
| Provision for loan losses | 113,000 | 120,000 | 129,000 | 134,000 |
| Pretax income | 375,000 | 913,000 | 1,549,000 | 2,260,000 |
| Income tax | 54,000 | 163,000 | 346,000 | 549,000 |
| Net income | 321,000 | 750,000 | 1,203,000 | 1,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,593,000 | 27,026,000 | 27,472,000 | 27,989,000 |
| Total capital | 28,889,000 | 29,258,000 | 29,729,000 | 30,260,000 |
| Risk-weighted assets | 182,783,000 | 177,533,000 | 179,609,000 | 180,416,000 |