Call reports 2015
ANDROSCOGGIN SAVINGS BANK — 2015
What ANDROSCOGGIN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 849,668,000 | 839,885,000 | 857,800,000 | 866,156,000 |
| Total loans | 692,809,000 | 690,131,000 | 709,247,000 | 714,521,000 |
| Allowance for loan losses | 7,539,000 | 7,550,000 | 7,451,000 | 7,715,000 |
| Securities available for sale | 81,606,000 | 77,874,000 | 76,258,000 | 86,889,000 |
| Securities held to maturity | 9,973,000 | 9,841,000 | 9,600,000 | 9,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 648,213,000 | 662,385,000 | 677,186,000 | 689,963,000 |
| Interest-bearing deposits | 559,162,000 | 571,322,000 | 580,568,000 | 598,662,000 |
| Noninterest-bearing deposits | 89,051,000 | 91,063,000 | 96,618,000 | 91,301,000 |
| Equity capital | 93,088,000 | 93,458,000 | 94,516,000 | 95,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,679,000 | 15,635,000 | 23,572,000 | 31,751,000 |
| Interest expense | 1,228,000 | 2,447,000 | 3,510,000 | 4,594,000 |
| Net interest income | 6,451,000 | 13,188,000 | 20,062,000 | 27,157,000 |
| Noninterest income | 1,048,000 | 568,000 | 1,096,000 | 1,929,000 |
| Noninterest expense | 5,404,000 | 10,783,000 | 16,486,000 | 22,588,000 |
| Provision for loan losses | 417,000 | 434,000 | 673,000 | 956,000 |
| Pretax income | 2,286,000 | 3,790,000 | 5,713,000 | 7,698,000 |
| Income tax | 555,000 | 822,000 | 1,240,000 | 1,821,000 |
| Net income | 1,731,000 | 2,968,000 | 4,473,000 | 6,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,075,000 | 89,314,000 | 90,822,000 | 92,357,000 |
| Total capital | 97,205,000 | 98,279,000 | 99,341,000 | 101,024,000 |
| Risk-weighted assets | 675,018,000 | 685,340,000 | 696,607,000 | 697,662,000 |