Call reports 2022
MASSENA SAVINGS AND LOAN — 2022
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 171,184,000 | 172,639,000 | 169,981,000 | 172,281,000 |
| Total loans | 148,196,000 | 150,687,000 | 156,450,000 | 159,219,000 |
| Allowance for loan losses | 1,275,000 | 1,286,000 | 1,295,000 | 1,405,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,768,000 | 129,922,000 | 123,760,000 | 123,805,000 |
| Interest-bearing deposits | 121,255,000 | 121,664,000 | 116,920,000 | 115,954,000 |
| Noninterest-bearing deposits | 7,513,000 | 8,258,000 | 6,840,000 | 7,851,000 |
| Equity capital | 24,129,000 | 24,411,000 | 24,754,000 | 25,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,729,000 | 3,495,000 | 5,353,000 | 7,274,000 |
| Interest expense | 464,000 | 906,000 | 1,338,000 | 1,816,000 |
| Net interest income | 1,265,000 | 2,589,000 | 4,015,000 | 5,458,000 |
| Noninterest income | 78,000 | 155,000 | 243,000 | 323,000 |
| Noninterest expense | 1,045,000 | 2,081,000 | 3,151,000 | 4,078,000 |
| Provision for loan losses | 5,000 | 20,000 | 34,000 | 149,000 |
| Pretax income | 293,000 | 643,000 | 1,073,000 | 1,554,000 |
| Income tax | 57,000 | 125,000 | 212,000 | 308,000 |
| Net income | 236,000 | 518,000 | 861,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,129,000 | 24,411,000 | 24,754,000 | 25,139,000 |
| Total capital | 25,404,000 | 25,697,000 | 26,049,000 | 26,544,000 |
| Risk-weighted assets | 104,432,000 | 109,580,000 | 112,295,000 | 114,996,000 |