Call reports 2016
MONSON SAVINGS BANK — 2016
What MONSON SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 329,564,000 | 325,859,000 | 338,450,000 | 340,031,000 |
| Total loans | 240,963,000 | 250,856,000 | 261,507,000 | 269,617,000 |
| Allowance for loan losses | 3,373,000 | 3,160,000 | 3,305,000 | 3,465,000 |
| Securities available for sale | 13,148,000 | 12,837,000 | 12,277,000 | 12,764,000 |
| Securities held to maturity | 27,456,000 | 28,032,000 | 28,558,000 | 28,501,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,129,000 | 279,617,000 | 290,781,000 | 293,456,000 |
| Interest-bearing deposits | 239,380,000 | 211,634,000 | 241,266,000 | 213,736,000 |
| Noninterest-bearing deposits | 42,749,000 | 67,983,000 | 49,515,000 | 79,720,000 |
| Equity capital | 30,524,000 | 30,958,000 | 31,509,000 | 32,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,911,000 | 5,927,000 | 9,025,000 | 12,191,000 |
| Interest expense | 488,000 | 1,005,000 | 1,529,000 | 2,046,000 |
| Net interest income | 2,423,000 | 4,922,000 | 7,496,000 | 10,145,000 |
| Noninterest income | 635,000 | 1,385,000 | 2,201,000 | 2,969,000 |
| Noninterest expense | 2,457,000 | 5,033,000 | 7,499,000 | 9,940,000 |
| Provision for loan losses | 74,000 | 302,000 | 449,000 | 608,000 |
| Pretax income | 527,000 | 972,000 | 1,749,000 | 2,610,000 |
| Income tax | 116,000 | 197,000 | 416,000 | 641,000 |
| Net income | 411,000 | 775,000 | 1,333,000 | 1,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,491,000 | 30,854,000 | 31,413,000 | 32,049,000 |
| Total capital | 33,207,000 | 33,538,000 | 34,265,000 | 34,958,000 |
| Risk-weighted assets | 216,602,000 | 214,225,000 | 227,718,000 | 232,192,000 |