Call reports 2018
MASSENA SAVINGS AND LOAN — 2018
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 155,384,000 | 156,095,000 | 158,933,000 | 160,371,000 |
| Total loans | 143,787,000 | 144,057,000 | 146,903,000 | 149,113,000 |
| Allowance for loan losses | 1,050,000 | 1,040,000 | 1,115,000 | 1,200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,782,000 | 117,177,000 | 115,665,000 | 112,010,000 |
| Interest-bearing deposits | 109,789,000 | 113,963,000 | 109,754,000 | 106,661,000 |
| Noninterest-bearing deposits | 3,993,000 | 3,214,000 | 5,911,000 | 5,349,000 |
| Equity capital | 20,405,000 | 20,686,000 | 20,991,000 | 21,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,734,000 | 3,514,000 | 5,356,000 | 7,187,000 |
| Interest expense | 424,000 | 859,000 | 1,300,000 | 1,778,000 |
| Net interest income | 1,310,000 | 2,655,000 | 4,056,000 | 5,409,000 |
| Noninterest income | 78,000 | 159,000 | 238,000 | 363,000 |
| Noninterest expense | 878,000 | 1,867,000 | 2,777,000 | 3,864,000 |
| Provision for loan losses | 125,000 | 210,000 | 400,000 | 626,000 |
| Pretax income | 385,000 | 737,000 | 1,117,000 | 1,282,000 |
| Income tax | 77,000 | 147,000 | 223,000 | 253,000 |
| Net income | 308,000 | 590,000 | 894,000 | 1,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,405,000 | 20,686,000 | 20,991,000 | 21,126,000 |
| Total capital | 21,455,000 | 21,726,000 | 22,106,000 | 22,326,000 |
| Risk-weighted assets | 101,899,000 | 102,016,000 | 106,123,000 | 108,391,000 |