Call reports 2003
SKOWHEGAN SAVINGS BANK — 2003
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 409,693,000 | 409,650,000 | 405,734,000 | 402,804,000 |
| Total loans | 275,929,000 | 273,085,000 | 282,559,000 | 280,345,000 |
| Allowance for loan losses | 4,056,000 | 4,153,000 | 3,884,000 | 3,978,000 |
| Securities available for sale | 81,663,000 | 93,079,000 | 89,403,000 | 80,841,000 |
| Securities held to maturity | 3,000,000 | 3,000,000 | 3,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,622,000 | 311,394,000 | 307,261,000 | 302,038,000 |
| Interest-bearing deposits | 280,805,000 | 283,890,000 | 279,100,000 | 275,730,000 |
| Noninterest-bearing deposits | 32,817,000 | 27,504,000 | 28,161,000 | 26,308,000 |
| Equity capital | 44,042,000 | 45,575,000 | 45,566,000 | 46,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,144,000 | 12,213,000 | 18,247,000 | 24,180,000 |
| Interest expense | 2,537,000 | 4,862,000 | 6,900,000 | 8,697,000 |
| Net interest income | 3,607,000 | 7,351,000 | 11,347,000 | 15,483,000 |
| Noninterest income | 431,000 | 796,000 | 1,114,000 | 1,424,000 |
| Noninterest expense | 3,176,000 | 6,465,000 | 9,423,000 | 12,915,000 |
| Provision for loan losses | 180,000 | 560,000 | 785,000 | 1,010,000 |
| Pretax income | 570,000 | 1,013,000 | 2,226,000 | 3,038,000 |
| Income tax | 70,000 | 185,000 | 780,000 | 935,000 |
| Net income | 500,000 | 828,000 | 1,446,000 | 2,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,100,000 | 40,563,000 | 41,256,000 | 41,988,000 |
| Total capital | 42,629,000 | 44,243,000 | 44,890,000 | 46,050,000 |
| Risk-weighted assets | 281,790,000 | 286,912,000 | 287,532,000 | 283,261,000 |