Call reports 2005
SKOWHEGAN SAVINGS BANK — 2005
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 384,619,000 | 389,049,000 | 390,353,000 | 399,579,000 |
| Total loans | 280,990,000 | 281,801,000 | 280,436,000 | 278,244,000 |
| Allowance for loan losses | 4,037,000 | 3,964,000 | 3,907,000 | 3,687,000 |
| Securities available for sale | 73,383,000 | 74,812,000 | 73,470,000 | 87,877,000 |
| Securities held to maturity | 2,006,000 | 2,005,000 | 2,004,000 | 2,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,044,000 | 287,542,000 | 290,633,000 | 284,080,000 |
| Interest-bearing deposits | 257,425,000 | 260,083,000 | 259,874,000 | 254,858,000 |
| Noninterest-bearing deposits | 28,619,000 | 27,459,000 | 30,759,000 | 29,222,000 |
| Equity capital | 48,307,000 | 49,307,000 | 49,552,000 | 49,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,218,000 | 10,522,000 | 15,961,000 | 21,368,000 |
| Interest expense | 1,540,000 | 3,280,000 | 5,169,000 | 7,220,000 |
| Net interest income | 3,678,000 | 7,242,000 | 10,792,000 | 14,148,000 |
| Noninterest income | 382,000 | 822,000 | 1,222,000 | 1,595,000 |
| Noninterest expense | 3,031,000 | 6,076,000 | 9,028,000 | 11,799,000 |
| Provision for loan losses | 54,000 | 108,000 | 162,000 | 296,000 |
| Pretax income | 1,154,000 | 2,246,000 | 3,186,000 | 4,098,000 |
| Income tax | 340,000 | 610,000 | 865,000 | 1,085,000 |
| Net income | 814,000 | 1,636,000 | 2,321,000 | 3,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,709,000 | 46,592,000 | 47,338,000 | 48,091,000 |
| Total capital | 49,683,000 | 50,527,000 | 51,124,000 | 51,967,000 |
| Risk-weighted assets | 282,254,000 | 285,627,000 | 284,735,000 | 292,829,000 |