Call reports 2017
MASSENA SAVINGS AND LOAN — 2017
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 156,292,000 | 153,703,000 | 154,902,000 | 157,009,000 |
| Total loans | 141,293,000 | 141,854,000 | 143,829,000 | 145,632,000 |
| Allowance for loan losses | 835,000 | 860,000 | 900,000 | 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 | 117,571,000 | 117,744,000 | 116,638,000 | 113,676,000 |
| Interest-bearing deposits | 114,254,000 | 114,270,000 | 113,251,000 | 109,475,000 |
| Noninterest-bearing deposits | 3,317,000 | 3,474,000 | 3,387,000 | 4,201,000 |
| Equity capital | 19,499,000 | 19,738,000 | 20,016,000 | 20,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,676,000 | 3,382,000 | 5,126,000 | 6,899,000 |
| Interest expense | 409,000 | 833,000 | 1,247,000 | 1,667,000 |
| Net interest income | 1,267,000 | 2,549,000 | 3,879,000 | 5,232,000 |
| Noninterest income | 74,000 | 173,000 | 228,000 | 273,000 |
| Noninterest expense | 877,000 | 1,828,000 | 2,701,000 | 3,709,000 |
| Provision for loan losses | 64,000 | 140,000 | 241,000 | 323,000 |
| Pretax income | 400,000 | 754,000 | 1,165,000 | 1,473,000 |
| Income tax | 131,000 | 245,000 | 378,000 | 606,000 |
| Net income | 269,000 | 509,000 | 787,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,499,000 | 19,738,000 | 20,016,000 | 20,096,000 |
| Total capital | 20,334,000 | 20,598,000 | 20,916,000 | 21,046,000 |
| Risk-weighted assets | 102,160,000 | 101,072,000 | 102,349,000 | 103,807,000 |