Call reports 2004
SKOWHEGAN SAVINGS BANK — 2004
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 390,968,000 | 386,009,000 | 387,101,000 | 384,905,000 |
| Total loans | 275,908,000 | 274,353,000 | 288,147,000 | 284,647,000 |
| Allowance for loan losses | 4,065,000 | 4,045,000 | 4,025,000 | 4,029,000 |
| Securities available for sale | 76,451,000 | 65,046,000 | 66,563,000 | 71,807,000 |
| Securities held to maturity | 3,009,000 | 2,008,000 | 2,007,000 | 2,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,014,000 | 300,680,000 | 301,758,000 | 296,658,000 |
| Interest-bearing deposits | 276,183,000 | 272,949,000 | 271,359,000 | 268,002,000 |
| Noninterest-bearing deposits | 26,831,000 | 27,731,000 | 30,399,000 | 28,656,000 |
| Equity capital | 47,298,000 | 46,946,000 | 47,518,000 | 48,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,490,000 | 10,805,000 | 16,123,000 | 21,464,000 |
| Interest expense | 1,625,000 | 3,157,000 | 4,697,000 | 6,241,000 |
| Net interest income | 3,865,000 | 7,648,000 | 11,426,000 | 15,223,000 |
| Noninterest income | 332,000 | 643,000 | 994,000 | 1,291,000 |
| Noninterest expense | 3,273,000 | 6,383,000 | 9,564,000 | 12,702,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 660,000 |
| Pretax income | 813,000 | 1,680,000 | 2,464,000 | 3,317,000 |
| Income tax | 234,000 | 462,000 | 710,000 | 915,000 |
| Net income | 579,000 | 1,218,000 | 1,754,000 | 2,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,642,000 | 43,356,000 | 43,966,000 | 44,690,000 |
| Total capital | 46,610,000 | 47,242,000 | 47,706,000 | 48,935,000 |
| Risk-weighted assets | 276,487,000 | 270,780,000 | 270,589,000 | 281,548,000 |