Call reports 2012
MASCOMA BANK — 2012
What MASCOMA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,014,367,000 | 1,045,756,000 | 1,058,758,000 | 1,069,530,000 |
| Total loans | 772,949,000 | 797,597,000 | 797,382,000 | 792,720,000 |
| Allowance for loan losses | 11,004,000 | 11,245,000 | 10,727,000 | 10,146,000 |
| Securities available for sale | 165,396,000 | 174,503,000 | 195,201,000 | 198,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 732,127,000 | 741,507,000 | 742,702,000 | 773,607,000 |
| Interest-bearing deposits | 649,592,000 | 652,931,000 | 648,910,000 | 681,362,000 |
| Noninterest-bearing deposits | 82,535,000 | 88,576,000 | 93,792,000 | 92,245,000 |
| Equity capital | 101,211,000 | 102,983,000 | 105,414,000 | 106,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,191,000 | 20,388,000 | 30,556,000 | 40,374,000 |
| Interest expense | 1,871,000 | 3,690,000 | 5,459,000 | 7,048,000 |
| Net interest income | 8,320,000 | 16,698,000 | 25,097,000 | 33,326,000 |
| Noninterest income | 1,504,000 | 2,781,000 | 4,631,000 | 7,069,000 |
| Noninterest expense | 8,006,000 | 15,515,000 | 23,359,000 | 31,574,000 |
| Provision for loan losses | 325,000 | 775,000 | 900,000 | 975,000 |
| Pretax income | 1,713,000 | 3,409,000 | 5,691,000 | 8,074,000 |
| Income tax | 195,000 | 399,000 | 801,000 | 1,268,000 |
| Net income | 1,518,000 | 3,010,000 | 4,890,000 | 6,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,842,000 | 102,331,000 | 104,203,000 | 106,110,000 |
| Total capital | 109,669,000 | 111,393,000 | 113,325,000 | 115,200,000 |
| Risk-weighted assets | 703,968,000 | 722,743,000 | 728,120,000 | 726,149,000 |