Call reports 2009
SKOWHEGAN SAVINGS BANK — 2009
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 439,093,000 | 434,211,000 | 424,050,000 | 422,365,000 |
| Total loans | 269,130,000 | 270,707,000 | 269,734,000 | 271,047,000 |
| Allowance for loan losses | 2,848,000 | 2,860,000 | 2,762,000 | 2,835,000 |
| Securities available for sale | 136,839,000 | 129,945,000 | 120,811,000 | 117,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,528,000 | 278,977,000 | 279,309,000 | 279,455,000 |
| Interest-bearing deposits | 245,892,000 | 243,941,000 | 242,727,000 | 221,674,000 |
| Noninterest-bearing deposits | 29,636,000 | 35,036,000 | 36,582,000 | 57,781,000 |
| Equity capital | 55,077,000 | 55,123,000 | 57,697,000 | 58,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,733,000 | 11,267,000 | 16,608,000 | 21,928,000 |
| Interest expense | 2,273,000 | 4,331,000 | 6,295,000 | 8,134,000 |
| Net interest income | 3,460,000 | 6,936,000 | 10,313,000 | 13,794,000 |
| Noninterest income | 338,000 | 712,000 | 1,084,000 | 1,509,000 |
| Noninterest expense | 2,950,000 | 6,314,000 | 9,515,000 | 12,162,000 |
| Provision for loan losses | 225,000 | 400,000 | 515,000 | 740,000 |
| Pretax income | 474,000 | 915,000 | 1,531,000 | 2,479,000 |
| Income tax | 0 | 195,000 | 333,000 | 451,000 |
| Net income | 474,000 | 720,000 | 1,198,000 | 2,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,197,000 | 52,773,000 | 53,251,000 | 54,080,000 |
| Total capital | 55,385,000 | 56,094,000 | 56,838,000 | 57,835,000 |
| Risk-weighted assets | 269,588,000 | 269,138,000 | 267,925,000 | 269,725,000 |