Call reports 2013
MASSENA SAVINGS AND LOAN — 2013
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 139,950,000 | 138,946,000 | 137,467,000 | 138,123,000 |
| Total loans | 118,765,000 | 118,144,000 | 119,993,000 | 122,426,000 |
| Allowance for loan losses | 582,000 | 726,000 | 702,000 | 800,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,915,000 | 117,682,000 | 116,958,000 | 117,458,000 |
| Interest-bearing deposits | 115,974,000 | 115,655,000 | 115,022,000 | 114,952,000 |
| Noninterest-bearing deposits | 1,941,000 | 2,027,000 | 1,936,000 | 2,506,000 |
| Equity capital | 15,828,000 | 16,083,000 | 16,316,000 | 16,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,661,000 | 3,270,000 | 4,861,000 | 6,447,000 |
| Interest expense | 497,000 | 979,000 | 1,424,000 | 1,847,000 |
| Net interest income | 1,164,000 | 2,291,000 | 3,437,000 | 4,600,000 |
| Noninterest income | 80,000 | 344,000 | 435,000 | 529,000 |
| Noninterest expense | 814,000 | 1,559,000 | 2,353,000 | 3,211,000 |
| Provision for loan losses | 100,000 | 366,000 | 464,000 | 669,000 |
| Pretax income | 330,000 | 710,000 | 1,055,000 | 1,249,000 |
| Income tax | 108,000 | 233,000 | 345,000 | 405,000 |
| Net income | 222,000 | 477,000 | 710,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,828,000 | 16,083,000 | 16,316,000 | 16,450,000 |
| Total capital | 16,410,000 | 16,809,000 | 17,018,000 | 17,250,000 |
| Risk-weighted assets | 84,795,000 | 84,178,000 | 83,946,000 | 85,518,000 |