Call reports 2012
MASSENA SAVINGS AND LOAN — 2012
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 139,326,000 | 139,929,000 | 140,872,000 | 139,204,000 |
| Total loans | 117,693,000 | 117,824,000 | 118,957,000 | 120,283,000 |
| Allowance for loan losses | 800,000 | 800,000 | 788,000 | 700,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,117,000 | 118,544,000 | 119,215,000 | 117,403,000 |
| Interest-bearing deposits | 114,478,000 | 116,139,000 | 116,912,000 | 115,647,000 |
| Noninterest-bearing deposits | 1,639,000 | 2,405,000 | 2,303,000 | 1,756,000 |
| Equity capital | 14,975,000 | 15,235,000 | 15,481,000 | 15,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,762,000 | 3,501,000 | 5,220,000 | 6,915,000 |
| Interest expense | 596,000 | 1,192,000 | 1,747,000 | 2,279,000 |
| Net interest income | 1,166,000 | 2,309,000 | 3,473,000 | 4,636,000 |
| Noninterest income | 106,000 | 194,000 | 294,000 | 383,000 |
| Noninterest expense | 783,000 | 1,526,000 | 2,341,000 | 3,213,000 |
| Provision for loan losses | 10,000 | 113,000 | 198,000 | 396,000 |
| Pretax income | 479,000 | 864,000 | 1,228,000 | 1,410,000 |
| Income tax | 158,000 | 284,000 | 402,000 | 459,000 |
| Net income | 321,000 | 580,000 | 826,000 | 951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,975,000 | 15,235,000 | 15,481,000 | 15,605,000 |
| Total capital | 15,775,000 | 16,035,000 | 16,269,000 | 16,305,000 |
| Risk-weighted assets | 84,588,000 | 84,855,000 | 85,874,000 | 85,826,000 |