Call reports 2005
ANDROSCOGGIN SAVINGS BANK — 2005
What ANDROSCOGGIN SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 495,204,000 | 511,787,000 | 525,187,000 | 529,303,000 |
| Total loans | 357,975,000 | 378,672,000 | 394,207,000 | 409,567,000 |
| Allowance for loan losses | 3,646,000 | 3,701,000 | 3,742,000 | 3,658,000 |
| Securities available for sale | 89,013,000 | 85,573,000 | 78,946,000 | 70,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,554,000 | 342,777,000 | 352,511,000 | 348,144,000 |
| Interest-bearing deposits | 308,073,000 | 306,729,000 | 314,811,000 | 310,717,000 |
| Noninterest-bearing deposits | 34,481,000 | 36,048,000 | 37,700,000 | 37,427,000 |
| Equity capital | 58,107,000 | 59,301,000 | 60,030,000 | 60,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,271,000 | 12,982,000 | 20,075,000 | 27,472,000 |
| Interest expense | 2,655,000 | 5,526,000 | 8,598,000 | 11,963,000 |
| Net interest income | 3,616,000 | 7,456,000 | 11,477,000 | 15,509,000 |
| Noninterest income | 866,000 | 1,871,000 | 3,007,000 | 4,127,000 |
| Noninterest expense | 3,281,000 | 6,816,000 | 10,025,000 | 13,873,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,111,000 | 2,326,000 | 4,198,000 | 5,366,000 |
| Income tax | 340,000 | 714,000 | 1,315,000 | 1,545,000 |
| Net income | 771,000 | 1,612,000 | 2,883,000 | 3,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,867,000 | 50,767,000 | 52,160,000 | 53,013,000 |
| Total capital | 53,513,000 | 54,468,000 | 55,902,000 | 56,671,000 |
| Risk-weighted assets | 378,069,000 | 387,898,000 | 397,040,000 | 409,027,000 |
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