Call reports 2015
MASCOMA BANK — 2015
What MASCOMA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,427,213,000 | 1,415,846,000 | 1,404,787,000 | 1,432,411,000 |
| Total loans | 1,135,685,000 | 1,136,486,000 | 1,152,107,000 | 1,154,268,000 |
| Allowance for loan losses | 13,036,000 | 12,889,000 | 13,086,000 | 13,741,000 |
| Securities available for sale | 162,226,000 | 153,383,000 | 134,254,000 | 121,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,052,383,000 | 1,125,172,000 | 1,168,434,000 | 1,210,856,000 |
| Interest-bearing deposits | 856,369,000 | 929,070,000 | 966,297,000 | 1,007,731,000 |
| Noninterest-bearing deposits | 196,014,000 | 196,102,000 | 202,137,000 | 203,125,000 |
| Equity capital | 118,600,000 | 120,376,000 | 122,806,000 | 137,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 12,503,000 | 24,830,000 | 37,824,000 | 50,548,000 |
| Interest expense | 1,303,000 | 2,559,000 | 3,850,000 | 5,123,000 |
| Net interest income | 11,200,000 | 22,271,000 | 33,974,000 | 45,425,000 |
| Noninterest income | 2,276,000 | 5,191,000 | 7,735,000 | 11,078,000 |
| Noninterest expense | 11,453,000 | 22,153,000 | 32,494,000 | 43,948,000 |
| Provision for loan losses | 575,000 | 925,000 | 1,325,000 | 2,225,000 |
| Pretax income | 1,767,000 | 4,713,000 | 8,437,000 | 11,091,000 |
| Income tax | 331,000 | 1,098,000 | 2,156,000 | 2,733,000 |
| Net income | 1,436,000 | 3,615,000 | 6,281,000 | 8,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,236,000 | 112,585,000 | 115,284,000 | 131,761,000 |
| Total capital | 123,272,000 | 125,474,000 | 128,370,000 | 145,089,000 |
| Risk-weighted assets | 1,091,979,000 | 1,053,723,000 | 1,068,020,000 | 1,065,798,000 |