Call reports 2002
SKOWHEGAN SAVINGS BANK — 2002
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 419,853,000 | 422,948,000 | 421,838,000 | 418,053,000 |
| Total loans | 273,225,000 | 270,460,000 | 273,666,000 | 276,343,000 |
| Allowance for loan losses | 3,229,000 | 3,167,000 | 4,936,000 | 3,954,000 |
| Securities available for sale | 95,629,000 | 101,973,000 | 105,720,000 | 98,677,000 |
| Securities held to maturity | 3,996,000 | 3,000,000 | 3,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,288,000 | 312,254,000 | 313,143,000 | 315,132,000 |
| Interest-bearing deposits | 281,808,000 | 281,120,000 | 280,562,000 | 281,698,000 |
| Noninterest-bearing deposits | 30,480,000 | 31,134,000 | 32,581,000 | 33,434,000 |
| Equity capital | 44,718,000 | 44,487,000 | 42,801,000 | 43,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,770,000 | 13,610,000 | 20,539,000 | 27,272,000 |
| Interest expense | 3,008,000 | 6,015,000 | 8,926,000 | 11,960,000 |
| Net interest income | 3,762,000 | 7,595,000 | 11,613,000 | 15,312,000 |
| Noninterest income | 311,000 | 656,000 | 964,000 | 1,217,000 |
| Noninterest expense | 3,485,000 | 7,123,000 | 10,591,000 | 14,219,000 |
| Provision for loan losses | 280,000 | 630,000 | 2,530,000 | 2,680,000 |
| Pretax income | 411,000 | 668,000 | -2,459,000 | -3,241,000 |
| Income tax | 40,000 | 40,000 | -1,100,000 | -1,267,000 |
| Net income | 371,000 | 628,000 | -1,359,000 | -1,974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,213,000 | 40,224,000 | 38,167,000 | 38,909,000 |
| Total capital | 44,442,000 | 43,391,000 | 41,747,000 | 42,489,000 |
| Risk-weighted assets | 284,767,000 | 274,139,000 | 285,074,000 | 286,026,000 |