Call reports 2023
MASCOMA BANK — 2023
What MASCOMA BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,733,301,000 | 2,835,749,000 | 2,857,828,000 | 2,931,539,000 |
| Total loans | 2,203,643,000 | 2,261,511,000 | 2,341,074,000 | 2,374,611,000 |
| Allowance for loan losses | 16,362,000 | 16,290,000 | 16,248,000 | 16,861,000 |
| Securities available for sale | 401,002,000 | 391,231,000 | 376,424,000 | 382,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 10,228,000 | 11,244,000 | 10,906,000 | 11,985,000 |
| Total deposits | 2,369,188,000 | 2,403,310,000 | 2,426,366,000 | 2,493,477,000 |
| Interest-bearing deposits | 1,968,330,000 | 2,007,148,000 | 2,034,045,000 | 2,097,722,000 |
| Noninterest-bearing deposits | 400,858,000 | 396,162,000 | 392,321,000 | 395,755,000 |
| Equity capital | 210,055,000 | 211,459,000 | 208,913,000 | 220,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 24,741,000 | 50,701,000 | 78,821,000 | 107,887,000 |
| Interest expense | 5,346,000 | 13,365,000 | 23,328,000 | 34,555,000 |
| Net interest income | 19,395,000 | 37,336,000 | 55,493,000 | 73,332,000 |
| Noninterest income | 2,973,000 | 7,065,000 | 10,815,000 | 14,386,000 |
| Noninterest expense | 18,702,000 | 36,998,000 | 55,420,000 | 74,447,000 |
| Provision for loan losses | 288,000 | 301,000 | 295,000 | 1,099,000 |
| Pretax income | 3,409,000 | 7,106,000 | 10,643,000 | 11,915,000 |
| Income tax | 379,000 | 761,000 | 1,109,000 | 796,000 |
| Net income | 3,030,000 | 6,345,000 | 9,534,000 | 11,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 243,206,000 | 246,039,000 | 249,242,000 | 250,336,000 |
| Total capital | 260,258,000 | 263,046,000 | 266,161,000 | 268,175,000 |
| Risk-weighted assets | 1,955,300,000 | 2,014,447,000 | 2,092,721,000 | 2,114,445,000 |