Call reports 2023
MONSON SAVINGS BANK — 2023
What MONSON SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 653,917,000 | 651,998,000 | 657,661,000 | 657,467,000 |
| Total loans | 515,490,000 | 528,853,000 | 537,736,000 | 545,040,000 |
| Allowance for loan losses | 3,817,000 | 3,819,000 | 3,820,000 | 3,824,000 |
| Securities available for sale | 77,883,000 | 77,037,000 | 75,481,000 | 77,466,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 590,773,000 | 587,800,000 | 578,452,000 | 578,908,000 |
| Interest-bearing deposits | 395,849,000 | 453,286,000 | 445,802,000 | 451,347,000 |
| Noninterest-bearing deposits | 194,924,000 | 134,514,000 | 132,650,000 | 127,561,000 |
| Equity capital | 55,001,000 | 55,911,000 | 55,730,000 | 59,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,314,000 | 13,065,000 | 20,145,000 | 27,491,000 |
| Interest expense | 1,126,000 | 2,805,000 | 4,792,000 | 7,382,000 |
| Net interest income | 5,188,000 | 10,260,000 | 15,353,000 | 20,109,000 |
| Noninterest income | 869,000 | 1,903,000 | 2,887,000 | 3,859,000 |
| Noninterest expense | 4,062,000 | 8,164,000 | 12,256,000 | 16,469,000 |
| Provision for loan losses | 7,000 | 17,000 | 31,000 | 44,000 |
| Pretax income | 1,977,000 | 3,972,000 | 5,554,000 | 7,056,000 |
| Income tax | 476,000 | 954,000 | 1,307,000 | 1,613,000 |
| Net income | 1,501,000 | 3,018,000 | 4,247,000 | 5,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,545,000 | 61,061,000 | 62,291,000 | 63,486,000 |
| Total capital | 63,362,000 | — | — | — |
| Risk-weighted assets | 449,428,000 | — | — | — |