Call reports 2021
MASCOMA BANK — 2021
What MASCOMA BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 2,436,430,000 | 2,521,682,000 | 2,546,655,000 | 2,644,953,000 |
| Total loans | 1,890,993,000 | 1,904,293,000 | 1,904,702,000 | 1,889,233,000 |
| Allowance for loan losses | 18,095,000 | 18,515,000 | 18,456,000 | 18,441,000 |
| Securities available for sale | 239,110,000 | 235,943,000 | 301,963,000 | 430,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 10,775,000 | 11,422,000 | 11,450,000 | 11,928,000 |
| Total deposits | 2,156,969,000 | 2,191,396,000 | 2,238,343,000 | 2,339,291,000 |
| Interest-bearing deposits | 1,738,465,000 | 1,768,269,000 | 1,791,326,000 | 1,875,642,000 |
| Noninterest-bearing deposits | 418,504,000 | 423,127,000 | 447,017,000 | 463,649,000 |
| Equity capital | 213,954,000 | 220,206,000 | 225,355,000 | 226,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 20,675,000 | 40,650,000 | 61,671,000 | 82,113,000 |
| Interest expense | 1,253,000 | 2,349,000 | 3,461,000 | 4,539,000 |
| Net interest income | 19,422,000 | 38,301,000 | 58,210,000 | 77,574,000 |
| Noninterest income | 3,232,000 | 7,113,000 | 11,376,000 | 16,207,000 |
| Noninterest expense | 16,091,000 | 32,445,000 | 50,260,000 | 70,100,000 |
| Provision for loan losses | 60,000 | 456,000 | 455,000 | 455,000 |
| Pretax income | 6,519,000 | 12,530,000 | 18,890,000 | 23,245,000 |
| Income tax | 938,000 | 1,764,000 | 2,653,000 | 1,913,000 |
| Net income | 5,581,000 | 10,766,000 | 16,237,000 | 21,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 205,399,000 | 210,623,000 | 216,093,000 | 220,537,000 |
| Total capital | 223,551,000 | 229,195,000 | 234,606,000 | 239,035,000 |
| Risk-weighted assets | 1,570,328,000 | 1,590,953,000 | 1,626,680,000 | 1,641,782,000 |