Call reports 2013
MASCOMA BANK — 2013
What MASCOMA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,037,634,000 | 1,065,355,000 | 1,112,483,000 | 1,118,757,000 |
| Total loans | 785,615,000 | 809,046,000 | 856,016,000 | 872,553,000 |
| Allowance for loan losses | 10,197,000 | 10,352,000 | 11,177,000 | 11,323,000 |
| Securities available for sale | 182,640,000 | 185,643,000 | 183,379,000 | 176,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 755,922,000 | 759,904,000 | 777,680,000 | 777,336,000 |
| Interest-bearing deposits | 665,564,000 | 661,608,000 | 673,152,000 | 674,170,000 |
| Noninterest-bearing deposits | 90,358,000 | 98,296,000 | 104,528,000 | 103,166,000 |
| Equity capital | 107,085,000 | 106,665,000 | 106,185,000 | 111,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,461,000 | 18,807,000 | 28,430,000 | 38,314,000 |
| Interest expense | 1,452,000 | 2,748,000 | 4,020,000 | 5,264,000 |
| Net interest income | 8,009,000 | 16,059,000 | 24,410,000 | 33,050,000 |
| Noninterest income | 1,576,000 | 3,113,000 | 4,649,000 | 6,394,000 |
| Noninterest expense | 8,261,000 | 16,137,000 | 24,481,000 | 33,463,000 |
| Provision for loan losses | 185,000 | 1,360,000 | 2,210,000 | 2,650,000 |
| Pretax income | 1,225,000 | 1,791,000 | 2,497,000 | 3,656,000 |
| Income tax | 81,000 | -89,000 | -216,000 | -181,000 |
| Net income | 1,144,000 | 1,880,000 | 2,713,000 | 3,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,247,000 | 107,987,000 | 108,823,000 | 109,954,000 |
| Total capital | 116,493,000 | 117,640,000 | 118,985,000 | 120,123,000 |
| Risk-weighted assets | 738,736,000 | 771,575,000 | 811,941,000 | 812,350,000 |