Call reports 2016
MASSENA SAVINGS AND LOAN — 2016
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 151,201,000 | 152,370,000 | 151,710,000 | 154,405,000 |
| Total loans | 138,430,000 | 138,699,000 | 140,713,000 | 142,966,000 |
| Allowance for loan losses | 750,000 | 725,000 | 750,000 | 930,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,390,000 | 115,281,000 | 114,328,000 | 115,924,000 |
| Interest-bearing deposits | 111,116,000 | 111,989,000 | 111,164,000 | 111,637,000 |
| Noninterest-bearing deposits | 3,274,000 | 3,292,000 | 3,164,000 | 4,287,000 |
| Equity capital | 18,580,000 | 18,851,000 | 19,114,000 | 19,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,653,000 | 3,310,000 | 4,980,000 | 6,658,000 |
| Interest expense | 390,000 | 784,000 | 1,189,000 | 1,596,000 |
| Net interest income | 1,263,000 | 2,526,000 | 3,791,000 | 5,062,000 |
| Noninterest income | 86,000 | 173,000 | 246,000 | 318,000 |
| Noninterest expense | 867,000 | 1,750,000 | 2,629,000 | 3,625,000 |
| Provision for loan losses | 34,000 | 99,000 | 170,000 | 380,000 |
| Pretax income | 448,000 | 850,000 | 1,238,000 | 1,375,000 |
| Income tax | 146,000 | 277,000 | 402,000 | 424,000 |
| Net income | 302,000 | 573,000 | 836,000 | 951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,580,000 | 18,851,000 | 19,114,000 | 19,229,000 |
| Total capital | 19,330,000 | 19,576,000 | 19,864,000 | 20,159,000 |
| Risk-weighted assets | 99,961,000 | 100,090,000 | 101,282,000 | 100,420,000 |