Call reports 2008
ANDROSCOGGIN SAVINGS BANK — 2008
What ANDROSCOGGIN SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 599,888,000 | 615,158,000 | 631,024,000 | 641,088,000 |
| Total loans | 491,417,000 | 500,520,000 | 519,305,000 | 530,871,000 |
| Allowance for loan losses | 4,106,000 | 3,397,000 | 3,694,000 | 3,357,000 |
| Securities available for sale | 43,129,000 | 40,117,000 | 39,856,000 | 41,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,602,000 | 411,534,000 | 423,389,000 | 425,637,000 |
| Interest-bearing deposits | 365,918,000 | 366,995,000 | 380,590,000 | 385,355,000 |
| Noninterest-bearing deposits | 40,684,000 | 44,539,000 | 42,799,000 | 40,282,000 |
| Equity capital | 65,853,000 | 65,631,000 | 65,394,000 | 65,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,858,000 | 17,286,000 | 25,934,000 | 34,509,000 |
| Interest expense | 4,458,000 | 8,450,000 | 12,350,000 | 16,100,000 |
| Net interest income | 4,400,000 | 8,836,000 | 13,584,000 | 18,409,000 |
| Noninterest income | 1,838,000 | 3,584,000 | 5,479,000 | 7,025,000 |
| Noninterest expense | 4,898,000 | 10,396,000 | 15,343,000 | 20,748,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 921,000 |
| Pretax income | 1,194,000 | 1,498,000 | 2,151,000 | 2,601,000 |
| Income tax | 330,000 | 345,000 | 521,000 | 597,000 |
| Net income | 864,000 | 1,153,000 | 1,630,000 | 2,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,073,000 | 53,349,000 | 53,462,000 | 53,365,000 |
| Total capital | 57,429,000 | 56,996,000 | 57,406,000 | 57,047,000 |
| Risk-weighted assets | 451,673,000 | 463,738,000 | 473,674,000 | 479,451,000 |
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