Vitals
  • Total Assets
    340.0M 8.7 %
  • Total Deposits
    293.5M 10.4 %
  • Total Net Loans
    266.2M 13.5 %
  • Net Income
    2.0M 1.7 %
  • Book Value
    32.0M 6.6 %
  • Book Value x2
    64.0M 6.6 %
  • Book Value x3
    96.0M 6.6 %
ROAA

.598

ROAE

6.35

Efficiency Ratio

73.636

Net Interest Margin

3.372

Balance Sheet Highlights
Financial Highlights Monson Savings Bank All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 340,031 761,274
Total Net Loans 266,152 592,852
Total Deposits 293,456 596,855
Total Equity 32,006 82,059
Profitability
Net Income 1,969 4,648
Return on Average Assets .598 .538
Return on Average Equity 6.35 4.944
Net Interest Margin 3.372 3.143
Efficiency Ratio 73.636 77.098
Noninterest Income/Revenue 19.099 14.538
Balance Sheet Ratios
Loan-to-Deposit 90.696 95.714
Securities/Assets .121 .124
Total Equity/Total Assets .094 .108
Tangible Equity/Tangible Assets .089 .106
Capital Adequacy
Tier 1 Common Capital 32,049 80,540
Tier 1 Capital 32,049 80,580
Tier 2 Capital 2,909 5,839
Total Capital 34,958 86,408
Total Risk Weighted Assets 232,192 559,688
Leverage Ratio 9.46 10.827
Common Equity Tier 1 Capital Ratio 13.8 15.478
Tier 1 Capital Ratio 13.8 15.53
Total Capital Ratio 15.06 16.563

Timeline for Monson Savings Bank

Monson Financial Services Corporation

Monson Financial Services Corporation became a new parent organization for Monson Savings Bank.

View Profile Dec 31 2005

Monson Securities Corporation

Monson Securities Corporation became a new subsidiary organization for Monson Savings Bank.

View Profile Dec 31 2005

Monson Savings Bank

Monson Savings Bank was established 152 years ago and is currently headquartered in Monson, MA.

Mar 27 1872
Relationships Role Relationship Start Relationship End
Monson Financial Services Corporation Parent 12/31/2005
Monson Securities Corporation Subsidary 6/30/2007
Monson Securities Corporation Subsidary 12/31/2005 6/29/2007
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