Call reports 2013
ANDROSCOGGIN SAVINGS BANK — 2013
What ANDROSCOGGIN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 746,250,000 | 749,153,000 | 758,394,000 | 769,015,000 |
| Total loans | 610,902,000 | 614,343,000 | 623,610,000 | 628,799,000 |
| Allowance for loan losses | 6,746,000 | 7,198,000 | 7,163,000 | 7,061,000 |
| Securities available for sale | 62,528,000 | 56,940,000 | 67,887,000 | 78,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,560,000 | 561,261,000 | 565,673,000 | 573,651,000 |
| Interest-bearing deposits | 484,559,000 | 479,613,000 | 481,379,000 | 492,389,000 |
| Noninterest-bearing deposits | 77,001,000 | 81,648,000 | 84,294,000 | 81,262,000 |
| Equity capital | 82,224,000 | 81,633,000 | 83,139,000 | 86,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,481,000 | 15,011,000 | 22,410,000 | 29,959,000 |
| Interest expense | 1,570,000 | 3,126,000 | 4,611,000 | 6,069,000 |
| Net interest income | 5,911,000 | 11,885,000 | 17,799,000 | 23,890,000 |
| Noninterest income | 1,640,000 | 1,170,000 | 2,472,000 | 3,534,000 |
| Noninterest expense | 5,728,000 | 11,151,000 | 16,651,000 | 21,667,000 |
| Provision for loan losses | 596,000 | 1,146,000 | 1,573,000 | 1,974,000 |
| Pretax income | 1,460,000 | 1,472,000 | 2,975,000 | 4,712,000 |
| Income tax | 339,000 | 87,000 | 416,000 | 853,000 |
| Net income | 1,121,000 | 1,385,000 | 2,559,000 | 3,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,219,000 | 74,922,000 | 78,919,000 | 80,273,000 |
| Total capital | 80,060,000 | 83,106,000 | 87,228,000 | 88,844,000 |
| Risk-weighted assets | 622,872,000 | 628,076,000 | 633,394,000 | 637,743,000 |