Call reports 2018
MASCOMA BANK — 2018
What MASCOMA BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,702,777,000 | 1,697,194,000 | 1,737,078,000 | 1,765,651,000 |
| Total loans | 1,418,791,000 | 1,420,643,000 | 1,465,501,000 | 1,486,929,000 |
| Allowance for loan losses | 14,547,000 | 14,659,000 | 14,934,000 | 15,148,000 |
| Securities available for sale | 174,678,000 | 174,279,000 | 173,469,000 | 174,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 7,947,000 | 8,130,000 | 8,450,000 | 7,814,000 |
| Total deposits | 1,364,330,000 | 1,390,260,000 | 1,458,794,000 | 1,517,461,000 |
| Interest-bearing deposits | 1,157,276,000 | 1,176,057,000 | 1,228,869,000 | 1,282,478,000 |
| Noninterest-bearing deposits | 207,054,000 | 214,203,000 | 229,925,000 | 234,983,000 |
| Equity capital | 152,673,000 | 155,348,000 | 157,772,000 | 164,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 15,698,000 | 31,810,000 | 48,653,000 | 66,093,000 |
| Interest expense | 1,955,000 | 4,270,000 | 6,739,000 | 9,438,000 |
| Net interest income | 13,743,000 | 27,540,000 | 41,914,000 | 56,655,000 |
| Noninterest income | 2,615,000 | 5,365,000 | 8,278,000 | 9,796,000 |
| Noninterest expense | 12,313,000 | 24,671,000 | 37,655,000 | 49,643,000 |
| Provision for loan losses | 325,000 | 295,000 | 695,000 | 1,220,000 |
| Pretax income | 3,720,000 | 7,939,000 | 11,842,000 | 15,588,000 |
| Income tax | 514,000 | 1,502,000 | 2,062,000 | 2,076,000 |
| Net income | 3,206,000 | 6,437,000 | 9,780,000 | 12,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 150,483,000 | 155,972,000 | 159,373,000 | 162,425,000 |
| Total capital | 165,091,000 | 170,692,000 | 174,368,000 | 177,630,000 |
| Risk-weighted assets | 1,266,855,000 | 1,274,987,000 | 1,313,299,000 | 1,328,424,000 |