Massena Savings and Loan

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LOCATIONS

36 Month IRA (Traditional, Roth)

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.38%	3-year CD	30 Month CD 1.85% - Synchrony Bank 36 Month CD
1.12%	2-year CD	24 Month CD 1.65% - Synchrony Bank 24 Month CD
0.97%	18-month CD	18 Month CD 1.45% - Synchrony Bank 18 Month CD

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Overview / Commentary

www.massenasavingsloan.com

315-764-0541

255 Main Street
Massena, NY 13662

Massena Savings and Loan is headquartered in Massena and is the 123^rd largest bank in the state of New York. It is also the 3,474^th largest bank in the nation. It was established in 1924 and as of March of 2017, it had grown to 23 employees at 2 locations. Massena Savings and Loan's money market rates are 73% higher than the national average, and it has a B+ health rating.

Overall
FDIC Certificate #	30429
Year Established	1924
Employees	23
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.7%
Return on Equity - YTD	5.58%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$156.3MM$151.2MM
Loans	Q1 2017vs Q1 2016	$140.5MM$137.7MM
Deposits	Q1 2017vs Q1 2016	$117.6MM$114.4MM
Equity Capital	Q1 2017vs Q1 2016	$19.5MM$18.6MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$835.00K$750.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$3.4MM$2.8MM
Real Estate Owned	Q1 2017vs Q1 2016	$153.00K$543.00K

Rates

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Savings
Money Market
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Massena Savings and Loan Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.92%	-	-	IRA Savings
0.25%	-	-	Regular Savings Account

Massena Savings and Loan Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.76%^*	$25k^*	-	Money Market Savings Account
OTHER TIERS: 0.25% → $2,500 - $25k

Massena Savings and Loan Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.02%^*	$25k^*	-	NOW Account
OTHER TIERS: 0.25% → Up to $2,500 \| 0.76% → $2,500 - $25k

Massena Savings and Loan CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.74%	$1k	-	36 Month CD
1.38%	$1k	-	30 Month CD
1.12%	$1k	-	24 Month CD
0.97%	$1k	-	18 Month CD
0.87%	$1k	-	12 Month CD
0.76%	$2,500	-	6 Month CD

Massena Savings and Loan IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.05%	$1k	-	36 Month IRA
1.64%	$1k	-	24 Month IRA
1.17%	$1k	-	12 Month IRA

Locations

Massena Savings and Loan Locations
Waddington Branch	155 Lincoln Avenue	Waddington, NY 13694
Massena Savings and Loan	255 Main Street	Massena, NY 13662