Call reports 2014
MASSENA SAVINGS AND LOAN — 2014
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 138,918,000 | 138,064,000 | 136,399,000 | 140,844,000 |
| Total loans | 121,940,000 | 122,997,000 | 126,570,000 | 130,578,000 |
| Allowance for loan losses | 758,000 | 749,000 | 750,000 | 840,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,043,000 | 117,925,000 | 116,031,000 | 118,234,000 |
| Interest-bearing deposits | 115,613,000 | 115,805,000 | 113,913,000 | 114,683,000 |
| Noninterest-bearing deposits | 2,430,000 | 2,120,000 | 2,118,000 | 3,551,000 |
| Equity capital | 16,662,000 | 16,921,000 | 17,180,000 | 17,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,572,000 | 3,138,000 | 4,706,000 | 6,300,000 |
| Interest expense | 401,000 | 799,000 | 1,176,000 | 1,544,000 |
| Net interest income | 1,171,000 | 2,339,000 | 3,530,000 | 4,756,000 |
| Noninterest income | 104,000 | 191,000 | 283,000 | 373,000 |
| Noninterest expense | 864,000 | 1,688,000 | 2,571,000 | 3,508,000 |
| Provision for loan losses | 100,000 | 150,000 | 170,000 | 273,000 |
| Pretax income | 311,000 | 692,000 | 1,072,000 | 1,348,000 |
| Income tax | 99,000 | 221,000 | 342,000 | 430,000 |
| Net income | 212,000 | 471,000 | 730,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,662,000 | 16,921,000 | 17,180,000 | 17,367,000 |
| Total capital | 17,420,000 | 17,670,000 | 17,930,000 | 18,207,000 |
| Risk-weighted assets | 84,874,000 | 85,327,000 | 86,499,000 | 89,159,000 |