Call reports 2019
MONSON SAVINGS BANK — 2019
What MONSON SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 436,233,000 | 429,398,000 | 436,179,000 | 432,998,000 |
| Total loans | 333,351,000 | 343,347,000 | 354,321,000 | 351,825,000 |
| Allowance for loan losses | 4,173,000 | 4,195,000 | 4,371,000 | 4,421,000 |
| Securities available for sale | 40,484,000 | 38,935,000 | 41,585,000 | 41,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,217,000 | 380,311,000 | 384,558,000 | 382,006,000 |
| Interest-bearing deposits | 317,657,000 | 267,843,000 | 270,882,000 | 277,982,000 |
| Noninterest-bearing deposits | 68,560,000 | 112,468,000 | 113,676,000 | 104,024,000 |
| Equity capital | 38,479,000 | 39,783,000 | 40,951,000 | 41,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,437,000 | 8,923,000 | 13,487,000 | 17,978,000 |
| Interest expense | 901,000 | 1,824,000 | 2,761,000 | 3,722,000 |
| Net interest income | 3,536,000 | 7,099,000 | 10,726,000 | 14,256,000 |
| Noninterest income | 668,000 | 1,439,000 | 2,283,000 | 3,207,000 |
| Noninterest expense | 2,957,000 | 6,060,000 | 9,131,000 | 12,437,000 |
| Provision for loan losses | 56,000 | 133,000 | 310,000 | 370,000 |
| Pretax income | 1,198,000 | 2,388,000 | 3,614,000 | 4,562,000 |
| Income tax | 284,000 | 563,000 | 856,000 | 1,048,000 |
| Net income | 914,000 | 1,825,000 | 2,758,000 | 3,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,684,000 | 39,595,000 | 40,528,000 | 41,284,000 |
| Total capital | 42,382,000 | 43,462,000 | 44,544,000 | 45,345,000 |
| Risk-weighted assets | 295,376,000 | 309,051,000 | 320,949,000 | 324,591,000 |