Call reports 2017
MASCOMA BANK — 2017
What MASCOMA BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,587,618,000 | 1,611,515,000 | 1,634,844,000 | 1,684,412,000 |
| Total loans | 1,304,316,000 | 1,322,327,000 | 1,358,377,000 | 1,392,607,000 |
| Allowance for loan losses | 13,880,000 | 13,870,000 | 14,028,000 | 14,285,000 |
| Securities available for sale | 168,409,000 | 171,427,000 | 175,984,000 | 178,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 7,687,000 | 7,856,000 | 8,124,000 |
| Total deposits | 1,244,337,000 | 1,266,117,000 | 1,298,725,000 | 1,375,590,000 |
| Interest-bearing deposits | 1,018,956,000 | 1,045,274,000 | 1,081,683,000 | 1,156,949,000 |
| Noninterest-bearing deposits | 225,381,000 | 220,843,000 | 217,042,000 | 218,641,000 |
| Equity capital | 145,172,000 | 149,713,000 | 152,569,000 | 152,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 14,122,000 | 28,759,000 | 43,879,000 | 59,462,000 |
| Interest expense | 1,564,000 | 3,272,000 | 5,050,000 | 6,889,000 |
| Net interest income | 12,558,000 | 25,487,000 | 38,829,000 | 52,573,000 |
| Noninterest income | 2,537,000 | 5,692,000 | 8,438,000 | 11,469,000 |
| Noninterest expense | 12,227,000 | 24,167,000 | 35,911,000 | 48,370,000 |
| Provision for loan losses | 400,000 | 650,000 | 950,000 | 1,390,000 |
| Pretax income | 2,501,000 | 6,416,000 | 10,459,000 | 14,335,000 |
| Income tax | 506,000 | 1,523,000 | 2,573,000 | 6,222,000 |
| Net income | 1,995,000 | 4,893,000 | 7,886,000 | 8,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,354,000 | 144,308,000 | 147,355,000 | 148,473,000 |
| Total capital | 155,385,000 | 158,239,000 | 161,444,000 | 162,819,000 |
| Risk-weighted assets | 1,191,492,000 | 1,209,104,000 | 1,225,532,000 | 1,248,745,000 |