Call reports 2020
MASSENA SAVINGS AND LOAN — 2020
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 169,695,000 | 177,372,000 | 179,892,000 | 178,739,000 |
| Total loans | 153,373,000 | 151,998,000 | 151,334,000 | 148,614,000 |
| Allowance for loan losses | 1,180,000 | 1,182,000 | 1,121,000 | 1,270,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,045,000 | 126,417,000 | 128,608,000 | 132,446,000 |
| Interest-bearing deposits | 113,822,000 | 120,190,000 | 123,349,000 | 126,718,000 |
| Noninterest-bearing deposits | 5,223,000 | 6,227,000 | 5,259,000 | 5,728,000 |
| Equity capital | 22,443,000 | 22,662,000 | 22,895,000 | 23,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,934,000 | 3,751,000 | 5,618,000 | 7,468,000 |
| Interest expense | 597,000 | 1,226,000 | 1,878,000 | 2,528,000 |
| Net interest income | 1,337,000 | 2,525,000 | 3,740,000 | 4,940,000 |
| Noninterest income | 78,000 | 153,000 | 237,000 | 315,000 |
| Noninterest expense | 987,000 | 1,969,000 | 2,941,000 | 3,987,000 |
| Provision for loan losses | 51,000 | 61,000 | 100,000 | 225,000 |
| Pretax income | 377,000 | 648,000 | 936,000 | 1,043,000 |
| Income tax | 74,000 | 126,000 | 182,000 | 167,000 |
| Net income | 303,000 | 522,000 | 754,000 | 876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,443,000 | 22,662,000 | 22,895,000 | 23,016,000 |
| Total capital | 23,623,000 | 23,844,000 | 24,016,000 | 24,286,000 |
| Risk-weighted assets | 112,048,000 | 113,262,000 | 113,262,000 | 110,958,000 |