Call reports 2017
MONSON SAVINGS BANK — 2017
What MONSON SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 349,124,000 | 353,456,000 | 361,254,000 | 365,148,000 |
| Total loans | 272,974,000 | 277,120,000 | 283,480,000 | 292,722,000 |
| Allowance for loan losses | 3,453,000 | 3,532,000 | 3,560,000 | 3,667,000 |
| Securities available for sale | 13,795,000 | 13,945,000 | 14,622,000 | 15,081,000 |
| Securities held to maturity | 27,843,000 | 27,734,000 | 27,271,000 | 26,422,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,436,000 | 303,035,000 | 310,941,000 | 312,394,000 |
| Interest-bearing deposits | 249,730,000 | 250,352,000 | 254,488,000 | 226,524,000 |
| Noninterest-bearing deposits | 51,706,000 | 52,683,000 | 56,453,000 | 85,870,000 |
| Equity capital | 32,595,000 | 33,345,000 | 34,029,000 | 34,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,239,000 | 6,571,000 | 10,011,000 | 13,543,000 |
| Interest expense | 512,000 | 1,031,000 | 1,575,000 | 2,127,000 |
| Net interest income | 2,727,000 | 5,540,000 | 8,436,000 | 11,416,000 |
| Noninterest income | 654,000 | 1,518,000 | 2,334,000 | 3,240,000 |
| Noninterest expense | 2,521,000 | 5,135,000 | 7,697,000 | 10,426,000 |
| Provision for loan losses | 45,000 | 125,000 | 185,000 | 289,000 |
| Pretax income | 815,000 | 1,798,000 | 2,872,000 | 3,925,000 |
| Income tax | 234,000 | 534,000 | 877,000 | 1,644,000 |
| Net income | 581,000 | 1,264,000 | 1,995,000 | 2,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,630,000 | 33,311,000 | 34,044,000 | 34,342,000 |
| Total capital | 35,735,000 | 36,328,000 | 37,071,000 | 37,634,000 |
| Risk-weighted assets | 248,024,000 | 240,808,000 | 241,614,000 | 262,988,000 |