Call reports 2016
MASCOMA BANK — 2016
What MASCOMA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,419,866,000 | 1,453,929,000 | 1,476,052,000 | 1,549,407,000 |
| Total loans | 1,175,323,000 | 1,208,301,000 | 1,229,963,000 | 1,267,972,000 |
| Allowance for loan losses | 14,163,000 | 14,070,000 | 13,336,000 | 13,522,000 |
| Securities available for sale | 134,553,000 | 134,414,000 | 139,191,000 | 165,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,167,583,000 | 1,200,181,000 | 1,214,637,000 | 1,233,067,000 |
| Interest-bearing deposits | 977,074,000 | 1,001,161,000 | 1,006,538,000 | 1,024,266,000 |
| Noninterest-bearing deposits | 190,509,000 | 199,020,000 | 208,099,000 | 208,801,000 |
| Equity capital | 139,853,000 | 142,849,000 | 144,873,000 | 142,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 12,854,000 | 25,965,000 | 39,128,000 | 53,336,000 |
| Interest expense | 1,297,000 | 2,654,000 | 4,038,000 | 5,524,000 |
| Net interest income | 11,557,000 | 23,311,000 | 35,090,000 | 47,812,000 |
| Noninterest income | 2,231,000 | 4,450,000 | 7,299,000 | 9,678,000 |
| Noninterest expense | 11,077,000 | 22,323,000 | 33,564,000 | 45,244,000 |
| Provision for loan losses | 450,000 | 600,000 | 1,180,000 | 2,313,000 |
| Pretax income | 2,259,000 | 4,918,000 | 7,726,000 | 10,014,000 |
| Income tax | 493,000 | 1,135,000 | 1,834,000 | 2,029,000 |
| Net income | 1,766,000 | 3,783,000 | 5,892,000 | 7,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,231,000 | 135,295,000 | 137,450,000 | 139,584,000 |
| Total capital | 146,747,000 | 149,212,000 | 150,786,000 | 153,106,000 |
| Risk-weighted assets | 1,080,607,000 | 1,113,177,000 | 1,114,392,000 | 1,155,630,000 |