Call reports 2020
MONSON SAVINGS BANK — 2020
What MONSON SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 447,156,000 | 502,257,000 | 504,182,000 | 509,173,000 |
| Total loans | 356,954,000 | 392,500,000 | 401,927,000 | 409,066,000 |
| Allowance for loan losses | 4,471,000 | 4,969,000 | 5,592,000 | 6,161,000 |
| Securities available for sale | 41,816,000 | 50,568,000 | 51,867,000 | 54,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,159,000 | 446,990,000 | 447,738,000 | 455,468,000 |
| Interest-bearing deposits | 285,214,000 | 341,630,000 | 341,970,000 | 347,784,000 |
| Noninterest-bearing deposits | 110,945,000 | 105,360,000 | 105,768,000 | 107,684,000 |
| Equity capital | 41,332,000 | 43,782,000 | 44,997,000 | 46,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,463,000 | 8,812,000 | 13,226,000 | 18,206,000 |
| Interest expense | 939,000 | 1,709,000 | 2,346,000 | 2,838,000 |
| Net interest income | 3,524,000 | 7,103,000 | 10,880,000 | 15,368,000 |
| Noninterest income | 589,000 | 1,543,000 | 3,186,000 | 4,319,000 |
| Noninterest expense | 3,048,000 | 6,196,000 | 9,636,000 | 13,323,000 |
| Provision for loan losses | 56,000 | 548,000 | 1,152,000 | 1,754,000 |
| Pretax income | 1,009,000 | 1,910,000 | 3,288,000 | 4,663,000 |
| Income tax | 225,000 | 406,000 | 721,000 | 1,011,000 |
| Net income | 784,000 | 1,504,000 | 2,567,000 | 3,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,068,000 | 42,788,000 | 43,851,000 | 44,936,000 |