Call reports 2025
MASCOMA BANK — 2025
What MASCOMA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,886,966,000 | 2,896,306,000 | 2,976,402,000 | 2,991,929,000 |
| Total loans | 2,412,223,000 | 2,423,167,000 | 2,448,814,000 | 2,479,306,000 |
| Allowance for loan losses | 18,042,000 | 17,634,000 | 18,375,000 | 18,302,000 |
| Securities available for sale | 339,354,000 | 322,963,000 | 345,019,000 | 344,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 12,267,000 | 13,033,000 | 13,732,000 | 14,118,000 |
| Total deposits | 2,567,945,000 | 2,573,471,000 | 2,643,389,000 | 2,662,315,000 |
| Interest-bearing deposits | 2,203,386,000 | 2,210,058,000 | 2,280,502,000 | 2,296,640,000 |
| Noninterest-bearing deposits | 364,559,000 | 363,413,000 | 362,887,000 | 365,675,000 |
| Equity capital | 233,883,000 | 235,044,000 | 245,656,000 | 251,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 31,524,000 | 63,542,000 | 97,025,000 | 131,642,000 |
| Interest expense | 12,202,000 | 24,386,000 | 36,957,000 | 48,814,000 |
| Net interest income | 19,322,000 | 39,156,000 | 60,068,000 | 82,828,000 |
| Noninterest income | 5,344,000 | 8,880,000 | 15,643,000 | 21,039,000 |
| Noninterest expense | 21,508,000 | 42,425,000 | 64,327,000 | 85,682,000 |
| Provision for loan losses | 246,000 | -11,000 | 757,000 | 719,000 |
| Pretax income | 2,690,000 | 5,062,000 | 10,300,000 | 17,242,000 |
| Income tax | 129,000 | 187,000 | 897,000 | 2,043,000 |
| Net income | 2,561,000 | 4,875,000 | 9,403,000 | 15,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 255,800,000 | 257,367,000 | 261,648,000 | 266,295,000 |
| Total capital | 274,878,000 | 276,374,000 | 281,164,000 | 285,635,000 |
| Risk-weighted assets | 2,165,320,000 | 2,187,218,000 | 2,193,059,000 | 2,225,738,000 |