Call reports 2015
MONSON SAVINGS BANK — 2015
What MONSON SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 299,100,000 | 295,869,000 | 300,496,000 | 312,805,000 |
| Total loans | 217,161,000 | 220,283,000 | 227,186,000 | 237,729,000 |
| Allowance for loan losses | 3,520,000 | 3,507,000 | 3,630,000 | 3,317,000 |
| Securities available for sale | 19,564,000 | 18,840,000 | 15,366,000 | 12,929,000 |
| Securities held to maturity | 26,058,000 | 26,357,000 | 26,624,000 | 27,144,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,499,000 | 258,817,000 | 260,743,000 | 265,768,000 |
| Interest-bearing deposits | 197,324,000 | 195,060,000 | 195,932,000 | 198,980,000 |
| Noninterest-bearing deposits | 64,175,000 | 63,757,000 | 64,811,000 | 66,788,000 |
| Equity capital | 28,715,000 | 29,208,000 | 29,801,000 | 30,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,678,000 | 5,362,000 | 8,123,000 | 10,900,000 |
| Interest expense | 413,000 | 840,000 | 1,280,000 | 1,726,000 |
| Net interest income | 2,265,000 | 4,522,000 | 6,843,000 | 9,174,000 |
| Noninterest income | 602,000 | 1,477,000 | 2,320,000 | 3,124,000 |
| Noninterest expense | 2,276,000 | 4,521,000 | 6,799,000 | 9,247,000 |
| Provision for loan losses | -5,000 | 4,000 | 140,000 | 519,000 |
| Pretax income | 644,000 | 1,522,000 | 2,257,000 | 2,571,000 |
| Income tax | 160,000 | 424,000 | 628,000 | 634,000 |
| Net income | 484,000 | 1,098,000 | 1,629,000 | 1,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,626,000 | 29,209,000 | 29,771,000 | 30,080,000 |
| Total capital | 30,891,000 | 31,536,000 | 32,084,000 | 32,474,000 |
| Risk-weighted assets | 179,956,000 | 184,979,000 | 183,695,000 | 190,633,000 |