Call reports 2019
MASCOMA BANK — 2019
What MASCOMA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,790,854,000 | 1,868,510,000 | 1,883,987,000 | 1,935,588,000 |
| Total loans | 1,510,515,000 | 1,565,518,000 | 1,599,985,000 | 1,639,645,000 |
| Allowance for loan losses | 15,223,000 | 15,467,000 | 15,631,000 | 15,540,000 |
| Securities available for sale | 180,485,000 | 184,035,000 | 180,200,000 | 183,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 8,245,000 | 8,691,000 | 8,757,000 | 9,242,000 |
| Total deposits | 1,541,077,000 | 1,591,792,000 | 1,610,773,000 | 1,668,246,000 |
| Interest-bearing deposits | 1,305,611,000 | 1,348,184,000 | 1,351,443,000 | 1,409,746,000 |
| Noninterest-bearing deposits | 235,466,000 | 243,608,000 | 259,330,000 | 258,500,000 |
| Equity capital | 169,101,000 | 174,990,000 | 178,690,000 | 183,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 17,270,000 | 35,294,000 | 54,008,000 | 72,805,000 |
| Interest expense | 2,946,000 | 6,133,000 | 9,376,000 | 12,573,000 |
| Net interest income | 14,324,000 | 29,161,000 | 44,632,000 | 60,232,000 |
| Noninterest income | 2,093,000 | 4,647,000 | 7,046,000 | 9,782,000 |
| Noninterest expense | 12,857,000 | 26,346,000 | 39,811,000 | 54,576,000 |
| Provision for loan losses | 0 | 482,000 | 687,000 | 687,000 |
| Pretax income | 3,563,000 | 6,983,000 | 11,189,000 | 14,760,000 |
| Income tax | 425,000 | 910,000 | 1,503,000 | 1,551,000 |
| Net income | 3,138,000 | 6,073,000 | 9,686,000 | 13,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 165,218,000 | 168,205,000 | 171,868,000 | 175,447,000 |
| Total capital | 180,498,000 | 183,729,000 | 187,556,000 | 191,043,000 |
| Risk-weighted assets | 1,364,155,000 | 1,407,449,000 | 1,405,538,000 | 1,428,074,000 |