Call reports 2006
SKOWHEGAN SAVINGS BANK — 2006
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 406,986,000 | 409,028,000 | 419,881,000 | 412,234,000 |
| Total loans | 285,846,000 | 290,345,000 | 300,909,000 | 297,632,000 |
| Allowance for loan losses | 3,644,000 | 3,605,000 | 3,569,000 | 3,674,000 |
| Securities available for sale | 88,605,000 | 83,999,000 | 85,365,000 | 82,228,000 |
| Securities held to maturity | 2,002,000 | 2,001,000 | 2,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,589,000 | 285,374,000 | 281,398,000 | 281,400,000 |
| Interest-bearing deposits | 259,265,000 | 254,024,000 | 248,820,000 | 251,059,000 |
| Noninterest-bearing deposits | 30,324,000 | 31,350,000 | 32,578,000 | 30,341,000 |
| Equity capital | 50,192,000 | 50,285,000 | 52,211,000 | 52,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,451,000 | 11,207,000 | 17,174,000 | 23,272,000 |
| Interest expense | 2,172,000 | 4,537,000 | 7,089,000 | 9,877,000 |
| Net interest income | 3,279,000 | 6,670,000 | 10,085,000 | 13,395,000 |
| Noninterest income | 422,000 | 815,000 | 1,204,000 | 1,585,000 |
| Noninterest expense | 2,797,000 | 5,714,000 | 8,678,000 | 11,704,000 |
| Provision for loan losses | 114,000 | 228,000 | 342,000 | 516,000 |
| Pretax income | 868,000 | 1,616,000 | 2,396,000 | 2,922,000 |
| Income tax | 175,000 | 382,000 | 560,000 | 658,000 |
| Net income | 693,000 | 1,234,000 | 1,836,000 | 2,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,845,000 | 49,448,000 | 48,692,000 | 50,601,000 |
| Total capital | 52,792,000 | 53,302,000 | 52,815,000 | 54,927,000 |
| Risk-weighted assets | 300,931,000 | 300,627,000 | 297,440,000 | 291,413,000 |