Massena Savings And Loan Financial Statements & Health Reports

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Vitals

ROAA

.622

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Massena Savings And Loan	All Insured Savings Banks in New York
Balance Sheet $(000)
Total Assets	154,405	1,351,752
Total Net Loans	142,036	1,018,087
Total Deposits	115,924	1,024,500
Total Equity	19,229	162,846
Profitability
Net Income	951	8,523
Return on Average Assets	.622	.459
Return on Average Equity	5.056	3.522
Net Interest Margin	3.506	3.356
Efficiency Ratio	67.379	79.875
Noninterest Income/Revenue	4.558	13.416
Balance Sheet Ratios
Loan-to-Deposit	122.525	92.451
Securities/Assets		.086
Total Equity/Total Assets	.125	.12
Tangible Equity/Tangible Assets	.125	.112
Capital Adequacy
Tier 1 Common Capital	19,229	151,871
Tier 1 Capital	19,229	151,871
Tier 2 Capital	930	7,542
Total Capital	20,159	159,397
Total Risk Weighted Assets	100,420	882,895
Leverage Ratio	12.51	12.276
Common Equity Tier 1 Capital Ratio	19.15	19.264
Tier 1 Capital Ratio	19.15	19.264
Total Capital Ratio	20.07	20.219

Massena Savings And Loan was established 100 years ago and is currently headquartered in Massena, NY.

Jan 01 1924

Relationships	Role	Relationship Start	Relationship End

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