Call reports 2020
MASCOMA BANK — 2020
What MASCOMA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,939,205,000 | 2,154,572,000 | 2,226,587,000 | 2,390,697,000 |
| Total loans | 1,657,958,000 | 1,842,871,000 | 1,877,836,000 | 1,862,255,000 |
| Allowance for loan losses | 15,664,000 | 17,230,000 | 17,848,000 | 18,063,000 |
| Securities available for sale | 182,551,000 | 189,475,000 | 180,569,000 | 210,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 7,755,000 | 9,110,000 | 9,740,000 | 10,707,000 |
| Total deposits | 1,645,437,000 | 1,904,650,000 | 1,966,884,000 | 2,113,676,000 |
| Interest-bearing deposits | 1,397,689,000 | 1,549,158,000 | 1,601,241,000 | 1,730,165,000 |
| Noninterest-bearing deposits | 247,748,000 | 355,492,000 | 365,643,000 | 383,511,000 |
| Equity capital | 184,891,000 | 192,090,000 | 196,548,000 | 210,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 18,618,000 | 37,514,000 | 56,465,000 | 76,971,000 |
| Interest expense | 2,987,000 | 5,108,000 | 6,782,000 | 8,231,000 |
| Net interest income | 15,631,000 | 32,406,000 | 49,683,000 | 68,740,000 |
| Noninterest income | 2,509,000 | 5,357,000 | 9,897,000 | 14,662,000 |
| Noninterest expense | 14,115,000 | 28,633,000 | 44,662,000 | 62,899,000 |
| Provision for loan losses | 159,000 | 1,737,000 | 2,411,000 | 2,597,000 |
| Pretax income | 3,897,000 | 7,425,000 | 12,542,000 | 17,941,000 |
| Income tax | 544,000 | 1,021,000 | 1,885,000 | 1,647,000 |
| Net income | 3,353,000 | 6,404,000 | 10,657,000 | 16,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,145,000 | 181,240,000 | 185,469,000 | 199,808,000 |
| Total capital | 193,866,000 | 198,527,000 | 203,374,000 | 217,928,000 |
| Risk-weighted assets | 1,439,612,000 | 1,500,416,000 | 1,532,381,000 | 1,555,514,000 |