Call reports 2018
ANDROSCOGGIN SAVINGS BANK — 2018
What ANDROSCOGGIN SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 970,902,000 | 991,042,000 | 1,025,466,000 | 1,050,684,000 |
| Total loans | 825,457,000 | 839,239,000 | 870,905,000 | 898,881,000 |
| Allowance for loan losses | 7,652,000 | 7,822,000 | 8,128,000 | 8,633,000 |
| Securities available for sale | 80,200,000 | 85,844,000 | 82,068,000 | 78,861,000 |
| Securities held to maturity | 10,039,000 | 9,915,000 | 9,632,000 | 9,536,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 779,640,000 | 789,852,000 | 832,309,000 | 863,868,000 |
| Interest-bearing deposits | 682,527,000 | 686,976,000 | 722,050,000 | 752,127,000 |
| Noninterest-bearing deposits | 97,113,000 | 102,876,000 | 110,259,000 | 111,741,000 |
| Equity capital | 104,974,000 | 106,262,000 | 107,590,000 | 110,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 9,401,000 | 18,939,000 | 28,950,000 | 39,598,000 |
| Interest expense | 1,440,000 | 3,093,000 | 5,024,000 | 7,207,000 |
| Net interest income | 7,961,000 | 15,846,000 | 23,926,000 | 32,391,000 |
| Noninterest income | 972,000 | 1,970,000 | 2,981,000 | 4,046,000 |
| Noninterest expense | 6,631,000 | 13,381,000 | 20,225,000 | 27,251,000 |
| Provision for loan losses | 296,000 | 646,000 | 948,000 | 1,450,000 |
| Pretax income | 2,006,000 | 3,821,000 | 5,919,000 | 8,018,000 |
| Income tax | 312,000 | 565,000 | 893,000 | 1,195,000 |
| Net income | 1,668,000 | 3,198,000 | 4,954,000 | 6,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,327,000 | 104,857,000 | 106,614,000 | 108,384,000 |
| Total capital | 111,905,000 | 113,589,000 | 115,638,000 | 117,876,000 |
| Risk-weighted assets | 826,583,000 | 844,066,000 | 862,823,000 | 895,432,000 |