Call reports 2025
MONSON SAVINGS BANK — 2025
What MONSON SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 741,456,000 | 748,986,000 | 747,779,000 | 753,682,000 |
| Total loans | 571,638,000 | 594,692,000 | 606,973,000 | 627,334,000 |
| Allowance for loan losses | 4,012,000 | 4,063,000 | 4,169,000 | 4,271,000 |
| Securities available for sale | 61,514,000 | 61,078,000 | 63,368,000 | 62,915,000 |
| Securities held to maturity | 4,000,000 | 4,000,000 | 4,000,000 | 4,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 668,089,000 | 675,488,000 | 670,702,000 | 652,143,000 |
| Interest-bearing deposits | 528,658,000 | 536,142,000 | 531,767,000 | 519,625,000 |
| Noninterest-bearing deposits | 139,431,000 | 139,346,000 | 138,935,000 | 132,518,000 |
| Equity capital | 65,478,000 | 66,401,000 | 69,483,000 | 71,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,441,000 | 17,401,000 | 26,540,000 | 35,859,000 |
| Interest expense | 3,117,000 | 6,196,000 | 9,230,000 | 12,207,000 |
| Net interest income | 5,324,000 | 11,205,000 | 17,310,000 | 23,652,000 |
| Noninterest income | 880,000 | 1,945,000 | 2,976,000 | 4,156,000 |
| Noninterest expense | 4,627,000 | 9,299,000 | 13,983,000 | 18,871,000 |
| Provision for loan losses | 113,000 | 226,000 | 326,000 | 435,000 |
| Pretax income | 1,464,000 | 3,625,000 | 5,834,000 | 8,181,000 |
| Income tax | 260,000 | 708,000 | 1,176,000 | 1,848,000 |
| Net income | 1,204,000 | 2,917,000 | 4,658,000 | 6,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,798,000 | 71,511,000 | 73,252,000 | 74,927,000 |