Call reports 2022
MASCOMA BANK — 2022
What MASCOMA BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 2,600,482,000 | 2,601,325,000 | 2,685,566,000 | 2,733,504,000 |
| Total loans | 1,930,494,000 | 2,018,864,000 | 2,114,991,000 | 2,169,489,000 |
| Allowance for loan losses | 18,467,000 | 18,625,000 | 19,448,000 | 18,748,000 |
| Securities available for sale | 496,311,000 | 451,575,000 | 435,686,000 | 428,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 11,189,000 | 9,781,000 | 9,401,000 | 10,053,000 |
| Total deposits | 2,300,252,000 | 2,273,331,000 | 2,352,806,000 | 2,369,151,000 |
| Interest-bearing deposits | 1,854,137,000 | 1,822,570,000 | 1,884,675,000 | 1,938,106,000 |
| Noninterest-bearing deposits | 446,115,000 | 450,761,000 | 468,131,000 | 431,045,000 |
| Equity capital | 212,897,000 | 196,477,000 | 195,855,000 | 202,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 19,895,000 | 40,891,000 | 63,137,000 | 87,027,000 |
| Interest expense | 1,053,000 | 2,154,000 | 3,724,000 | 6,758,000 |
| Net interest income | 18,842,000 | 38,737,000 | 59,413,000 | 80,269,000 |
| Noninterest income | 3,188,000 | 6,935,000 | 10,584,000 | 14,427,000 |
| Noninterest expense | 16,522,000 | 34,463,000 | 53,726,000 | 72,357,000 |
| Provision for loan losses | 0 | 141,000 | 967,000 | 273,000 |
| Pretax income | 5,508,000 | 11,068,000 | 15,304,000 | 22,066,000 |
| Income tax | 714,000 | 1,458,000 | 1,942,000 | 3,219,000 |
| Net income | 4,794,000 | 9,610,000 | 13,362,000 | 18,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 225,360,000 | 229,751,000 | 233,527,000 | 238,641,000 |
| Total capital | 243,884,000 | 248,433,000 | 253,032,000 | 257,446,000 |
| Risk-weighted assets | 1,702,211,000 | 1,812,876,000 | 1,881,459,000 | 1,936,423,000 |