Call reports 2025
MASSENA SAVINGS AND LOAN — 2025
What MASSENA SAVINGS AND LOAN reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 187,159,000 | 188,750,000 | 194,373,000 | 199,928,000 |
| Total loans | 169,166,000 | 170,655,000 | 177,616,000 | 181,244,000 |
| Allowance for loan losses | 1,254,000 | 1,242,000 | 1,224,000 | 1,211,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,958,000 | 147,101,000 | 146,142,000 | 147,331,000 |
| Interest-bearing deposits | 137,051,000 | 138,456,000 | 138,189,000 | 138,676,000 |
| Noninterest-bearing deposits | 8,907,000 | 8,645,000 | 7,953,000 | 8,655,000 |
| Equity capital | 27,918,000 | 28,342,000 | 28,904,000 | 29,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,537,000 | 5,119,000 | 7,823,000 | 10,631,000 |
| Interest expense | 1,110,000 | 2,230,000 | 3,349,000 | 4,505,000 |
| Net interest income | 1,427,000 | 2,889,000 | 4,474,000 | 6,126,000 |
| Noninterest income | 81,000 | 161,000 | 288,000 | 375,000 |
| Noninterest expense | 1,069,000 | 2,060,000 | 3,116,000 | 4,366,000 |
| Provision for loan losses | 62,000 | 82,000 | 33,000 | 52,000 |
| Pretax income | 377,000 | 908,000 | 1,613,000 | 2,083,000 |
| Income tax | 74,000 | 181,000 | 324,000 | 427,000 |
| Net income | 303,000 | 727,000 | 1,289,000 | 1,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,918,000 | 28,342,000 | 28,904,000 | 29,271,000 |
| Total capital | 29,172,000 | 29,584,000 | 30,127,000 | 30,482,000 |
| Risk-weighted assets | 120,821,000 | 123,788,000 | 129,013,000 | 132,552,000 |