Call reports 2015
MASSENA SAVINGS AND LOAN — 2015
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 142,536,000 | 145,148,000 | 147,403,000 | 151,119,000 |
| Total loans | 131,608,000 | 134,970,000 | 137,115,000 | 139,134,000 |
| Allowance for loan losses | 850,000 | 850,000 | 860,000 | 950,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,651,000 | 117,993,000 | 114,938,000 | 114,692,000 |
| Interest-bearing deposits | 114,755,000 | 114,541,000 | 112,224,000 | 111,623,000 |
| Noninterest-bearing deposits | 2,896,000 | 3,452,000 | 2,714,000 | 3,069,000 |
| Equity capital | 17,657,000 | 17,937,000 | 18,193,000 | 18,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,589,000 | 3,196,000 | 4,824,000 | 6,463,000 |
| Interest expense | 359,000 | 719,000 | 1,075,000 | 1,446,000 |
| Net interest income | 1,230,000 | 2,477,000 | 3,749,000 | 5,017,000 |
| Noninterest income | 80,000 | 178,000 | 277,000 | 359,000 |
| Noninterest expense | 870,000 | 1,755,000 | 2,640,000 | 3,721,000 |
| Provision for loan losses | 12,000 | 58,000 | 167,000 | 288,000 |
| Pretax income | 428,000 | 842,000 | 1,219,000 | 1,367,000 |
| Income tax | 139,000 | 273,000 | 394,000 | 457,000 |
| Net income | 289,000 | 569,000 | 825,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,657,000 | 17,937,000 | 18,193,000 | 18,278,000 |
| Total capital | 18,507,000 | 18,787,000 | 19,053,000 | 19,228,000 |
| Risk-weighted assets | 88,598,000 | 92,888,000 | 95,109,000 | 100,729,000 |