Call reports 2019
MASSENA SAVINGS AND LOAN — 2019
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 164,388,000 | 168,141,000 | 165,513,000 | 166,243,000 |
| Total loans | 149,281,000 | 150,159,000 | 152,864,000 | 153,410,000 |
| Allowance for loan losses | 1,200,000 | 1,210,000 | 1,230,000 | 1,300,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,696,000 | 117,111,000 | 117,091,000 | 115,861,000 |
| Interest-bearing deposits | 108,694,000 | 110,845,000 | 111,010,000 | 109,911,000 |
| Noninterest-bearing deposits | 5,002,000 | 6,266,000 | 6,081,000 | 5,950,000 |
| Equity capital | 21,455,000 | 21,744,000 | 22,063,000 | 22,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,861,000 | 3,787,000 | 5,714,000 | 7,665,000 |
| Interest expense | 523,000 | 1,087,000 | 1,663,000 | 2,250,000 |
| Net interest income | 1,338,000 | 2,700,000 | 4,051,000 | 5,415,000 |
| Noninterest income | 70,000 | 153,000 | 233,000 | 290,000 |
| Noninterest expense | 949,000 | 1,980,000 | 2,919,000 | 4,060,000 |
| Provision for loan losses | 47,000 | 101,000 | 194,000 | 341,000 |
| Pretax income | 412,000 | 772,000 | 1,171,000 | 1,304,000 |
| Income tax | 83,000 | 154,000 | 234,000 | 289,000 |
| Net income | 329,000 | 618,000 | 937,000 | 1,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,455,000 | 21,744,000 | 22,063,000 | 22,140,000 |
| Total capital | 22,655,000 | 22,954,000 | 23,293,000 | 23,440,000 |
| Risk-weighted assets | 108,682,000 | 109,895,000 | 110,529,000 | 111,131,000 |