Call reports 2007
SKOWHEGAN SAVINGS BANK — 2007
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 407,729,000 | 400,725,000 | 387,553,000 | 388,544,000 |
| Total loans | 295,761,000 | 288,021,000 | 278,958,000 | 273,450,000 |
| Allowance for loan losses | 3,764,000 | 3,811,000 | 3,608,000 | 3,614,000 |
| Securities available for sale | 81,702,000 | 78,582,000 | 76,473,000 | 71,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,195,000 | 282,892,000 | 276,899,000 | 276,379,000 |
| Interest-bearing deposits | 254,018,000 | 253,116,000 | 244,493,000 | 248,309,000 |
| Noninterest-bearing deposits | 29,177,000 | 29,776,000 | 32,406,000 | 28,070,000 |
| Equity capital | 53,267,000 | 53,368,000 | 54,279,000 | 53,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,902,000 | 11,859,000 | 17,761,000 | 23,264,000 |
| Interest expense | 2,717,000 | 5,459,000 | 8,105,000 | 10,750,000 |
| Net interest income | 3,185,000 | 6,400,000 | 9,656,000 | 12,514,000 |
| Noninterest income | 332,000 | 842,000 | 1,261,000 | 1,452,000 |
| Noninterest expense | 3,138,000 | 6,225,000 | 9,486,000 | 12,906,000 |
| Provision for loan losses | 206,000 | 281,000 | 281,000 | 281,000 |
| Pretax income | 380,000 | 1,027,000 | 1,448,000 | 1,078,000 |
| Income tax | 41,000 | 171,000 | 246,000 | 114,000 |
| Net income | 339,000 | 856,000 | 1,202,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,001,000 | 51,578,000 | 51,965,000 | 51,728,000 |
| Total capital | 55,088,000 | 55,602,000 | 55,845,000 | 55,415,000 |
| Risk-weighted assets | 284,578,000 | 285,460,000 | 279,568,000 | 260,418,000 |