Call reports 2022
MONSON SAVINGS BANK — 2022
What MONSON SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 615,682,000 | 630,211,000 | 626,649,000 | 631,830,000 |
| Total loans | 443,004,000 | 461,564,000 | 496,409,000 | 508,510,000 |
| Allowance for loan losses | 6,531,000 | 6,546,000 | 6,455,000 | 5,985,000 |
| Securities available for sale | 79,168,000 | 95,037,000 | 81,275,000 | 76,555,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 557,864,000 | 573,118,000 | 549,871,000 | 572,531,000 |
| Interest-bearing deposits | 420,109,000 | 423,485,000 | 404,417,000 | 431,607,000 |
| Noninterest-bearing deposits | 137,755,000 | 149,633,000 | 145,454,000 | 140,924,000 |
| Equity capital | 50,166,000 | 48,956,000 | 48,129,000 | 50,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,428,000 | 9,414,000 | 15,078,000 | 21,079,000 |
| Interest expense | 203,000 | 413,000 | 690,000 | 1,519,000 |
| Net interest income | 4,225,000 | 9,001,000 | 14,388,000 | 19,560,000 |
| Noninterest income | 822,000 | 1,821,000 | 2,742,000 | 3,647,000 |
| Noninterest expense | 3,709,000 | 7,636,000 | 11,685,000 | 15,801,000 |
| Provision for loan losses | 5,000 | 23,000 | -63,000 | -519,000 |
| Pretax income | 1,333,000 | 3,176,000 | 5,320,000 | 7,190,000 |
| Income tax | 300,000 | 738,000 | 1,262,000 | 1,684,000 |
| Net income | 1,033,000 | 2,438,000 | 4,058,000 | 5,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,019,000 | 53,423,000 | 55,043,000 | 56,491,000 |
| Total capital | 57,168,000 | 58,311,000 | 60,524,000 | 62,086,000 |
| Risk-weighted assets | 410,563,000 | 389,457,000 | 437,568,000 | 447,216,000 |