Call reports 2014
ANDROSCOGGIN SAVINGS BANK — 2014
What ANDROSCOGGIN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 770,324,000 | 790,606,000 | 799,325,000 | 807,822,000 |
| Total loans | 621,792,000 | 645,364,000 | 648,239,000 | 653,787,000 |
| Allowance for loan losses | 7,077,000 | 7,263,000 | 7,538,000 | 7,158,000 |
| Securities available for sale | 73,951,000 | 70,962,000 | 77,340,000 | 81,764,000 |
| Securities held to maturity | 9,305,000 | 9,203,000 | 10,069,000 | 9,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 593,609,000 | 602,340,000 | 614,684,000 | 632,335,000 |
| Interest-bearing deposits | 512,666,000 | 519,529,000 | 517,339,000 | 547,500,000 |
| Noninterest-bearing deposits | 80,943,000 | 82,811,000 | 97,345,000 | 84,835,000 |
| Equity capital | 88,102,000 | 90,424,000 | 91,637,000 | 91,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,574,000 | 15,154,000 | 23,103,000 | 30,836,000 |
| Interest expense | 1,374,000 | 2,733,000 | 4,069,000 | 5,402,000 |
| Net interest income | 6,200,000 | 12,421,000 | 19,034,000 | 25,434,000 |
| Noninterest income | 1,068,000 | 2,119,000 | 3,250,000 | 4,374,000 |
| Noninterest expense | 5,463,000 | 10,000,000 | 15,327,000 | 20,901,000 |
| Provision for loan losses | 325,000 | 925,000 | 1,321,000 | 1,504,000 |
| Pretax income | 2,033,000 | 3,996,000 | 6,018,000 | 7,685,000 |
| Income tax | 499,000 | 978,000 | 1,528,000 | 1,725,000 |
| Net income | 1,534,000 | 3,018,000 | 4,490,000 | 5,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,824,000 | 83,326,000 | 84,815,000 | 86,296,000 |
| Total capital | 90,213,000 | 92,061,000 | 93,785,000 | 95,299,000 |
| Risk-weighted assets | 646,425,000 | 665,710,000 | 667,119,000 | 667,343,000 |