Call reports 2021
MASSENA SAVINGS AND LOAN — 2021
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 184,638,000 | 186,095,000 | 179,437,000 | 178,765,000 |
| Total loans | 146,814,000 | 148,912,000 | 148,445,000 | 148,996,000 |
| Allowance for loan losses | 1,275,000 | 1,275,000 | 1,281,000 | 1,280,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,113,000 | 139,300,000 | 134,320,000 | 134,570,000 |
| Interest-bearing deposits | 131,955,000 | 131,920,000 | 126,351,000 | 126,881,000 |
| Noninterest-bearing deposits | 6,158,000 | 7,380,000 | 7,969,000 | 7,689,000 |
| Equity capital | 23,249,000 | 23,490,000 | 23,727,000 | 23,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,815,000 | 3,610,000 | 5,379,000 | 7,128,000 |
| Interest expense | 589,000 | 1,160,000 | 1,714,000 | 2,238,000 |
| Net interest income | 1,226,000 | 2,450,000 | 3,665,000 | 4,890,000 |
| Noninterest income | 82,000 | 157,000 | 244,000 | 320,000 |
| Noninterest expense | 972,000 | 1,952,000 | 2,936,000 | 4,029,000 |
| Provision for loan losses | 45,000 | 65,000 | 89,000 | 94,000 |
| Pretax income | 291,000 | 590,000 | 884,000 | 1,087,000 |
| Income tax | 57,000 | 116,000 | 173,000 | 210,000 |
| Net income | 234,000 | 474,000 | 711,000 | 877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,249,000 | 23,490,000 | 23,727,000 | 23,893,000 |
| Total capital | 24,524,000 | 24,765,000 | 25,008,000 | 25,173,000 |
| Risk-weighted assets | 110,419,000 | 112,611,000 | 110,766,000 | 110,684,000 |
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