Call reports 2023
MASSENA SAVINGS AND LOAN — 2023
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 176,948,000 | 177,761,000 | 177,921,000 | 182,724,000 |
| Total loans | 159,304,000 | 161,771,000 | 163,901,000 | 164,862,000 |
| Allowance for loan losses | 1,395,000 | 1,410,000 | 1,393,000 | 1,443,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,169,000 | 128,689,000 | 128,527,000 | 133,019,000 |
| Interest-bearing deposits | 119,952,000 | 120,593,000 | 121,501,000 | 125,954,000 |
| Noninterest-bearing deposits | 8,217,000 | 8,096,000 | 7,026,000 | 7,065,000 |
| Equity capital | 25,458,000 | 25,802,000 | 26,088,000 | 26,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,985,000 | 4,072,000 | 6,248,000 | 8,513,000 |
| Interest expense | 607,000 | 1,334,000 | 2,132,000 | 3,079,000 |
| Net interest income | 1,378,000 | 2,738,000 | 4,116,000 | 5,434,000 |
| Noninterest income | 66,000 | 152,000 | 230,000 | 305,000 |
| Noninterest expense | 1,030,000 | 2,006,000 | 3,048,000 | 4,024,000 |
| Provision for loan losses | 15,000 | 55,000 | 113,000 | 136,000 |
| Pretax income | 399,000 | 829,000 | 1,185,000 | 1,579,000 |
| Income tax | 79,000 | 165,000 | 235,000 | 313,000 |
| Net income | 320,000 | 664,000 | 950,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,458,000 | 25,802,000 | 26,088,000 | 26,404,000 |
| Total capital | 26,853,000 | 27,212,000 | 27,481,000 | 27,847,000 |
| Risk-weighted assets | 115,392,000 | 116,481,000 | 115,805,000 | 119,194,000 |
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