Call reports 2018
MONSON SAVINGS BANK — 2018
What MONSON SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 386,437,000 | 392,833,000 | 403,887,000 | 421,885,000 |
| Total loans | 300,610,000 | 315,605,000 | 320,791,000 | 333,080,000 |
| Allowance for loan losses | 3,764,000 | 3,907,000 | 4,020,000 | 4,122,000 |
| Securities available for sale | 13,530,000 | 13,131,000 | 14,082,000 | 38,902,000 |
| Securities held to maturity | 26,344,000 | 26,719,000 | 26,049,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,864,000 | 340,270,000 | 350,216,000 | 368,677,000 |
| Interest-bearing deposits | 276,755,000 | 279,418,000 | 248,941,000 | 303,534,000 |
| Noninterest-bearing deposits | 58,109,000 | 60,852,000 | 101,275,000 | 65,143,000 |
| Equity capital | 34,978,000 | 35,778,000 | 36,600,000 | 37,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,631,000 | 7,473,000 | 11,539,000 | 15,836,000 |
| Interest expense | 586,000 | 1,238,000 | 1,947,000 | 2,804,000 |
| Net interest income | 3,045,000 | 6,235,000 | 9,592,000 | 13,032,000 |
| Noninterest income | 780,000 | 1,601,000 | 2,400,000 | 3,154,000 |
| Noninterest expense | 2,730,000 | 5,434,000 | 8,267,000 | 11,295,000 |
| Provision for loan losses | 63,000 | 219,000 | 354,000 | 466,000 |
| Pretax income | 1,032,000 | 2,181,000 | 3,369,000 | 4,402,000 |
| Income tax | 229,000 | 487,000 | 760,000 | 974,000 |
| Net income | 803,000 | 1,694,000 | 2,609,000 | 3,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,144,000 | 36,036,000 | 36,952,000 | 37,770,000 |
| Total capital | 38,652,000 | 39,670,000 | 40,659,000 | 41,492,000 |
| Risk-weighted assets | 280,385,000 | 290,455,000 | 296,325,000 | 297,413,000 |