Call reports 2014
MASCOMA BANK — 2014
What MASCOMA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,119,297,000 | 1,144,823,000 | 1,425,638,000 | 1,444,447,000 |
| Total loans | 874,543,000 | 895,761,000 | 1,100,605,000 | 1,122,794,000 |
| Allowance for loan losses | 10,859,000 | 11,392,000 | 12,227,000 | 12,493,000 |
| Securities available for sale | 166,501,000 | 170,601,000 | 180,514,000 | 187,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 785,401,000 | 781,872,000 | 1,036,872,000 | 1,041,931,000 |
| Interest-bearing deposits | 678,282,000 | 674,836,000 | 849,865,000 | 841,195,000 |
| Noninterest-bearing deposits | 107,119,000 | 107,036,000 | 187,007,000 | 200,736,000 |
| Equity capital | 113,274,000 | 114,958,000 | 116,279,000 | 116,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 9,821,000 | 19,806,000 | 31,042,000 | 43,610,000 |
| Interest expense | 1,202,000 | 2,399,000 | 3,700,000 | 5,072,000 |
| Net interest income | 8,619,000 | 17,407,000 | 27,342,000 | 38,538,000 |
| Noninterest income | 1,403,000 | 2,976,000 | 5,389,000 | 8,594,000 |
| Noninterest expense | 8,516,000 | 17,490,000 | 27,503,000 | 39,349,000 |
| Provision for loan losses | 110,000 | 685,000 | 1,260,000 | 1,610,000 |
| Pretax income | 1,396,000 | 2,273,000 | 4,052,000 | 6,263,000 |
| Income tax | 188,000 | 190,000 | 507,000 | 973,000 |
| Net income | 1,208,000 | 2,083,000 | 3,545,000 | 5,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,166,000 | 112,044,000 | 103,737,000 | 107,452,000 |
| Total capital | 121,250,000 | 122,252,000 | 115,964,000 | 119,945,000 |
| Risk-weighted assets | 805,981,000 | 815,439,000 | 1,020,009,000 | 1,038,359,000 |