Call reports 2011
SKOWHEGAN SAVINGS BANK — 2011
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 454,182,000 | 454,275,000 | 448,301,000 | 448,147,000 |
| Total loans | 294,120,000 | 294,696,000 | 290,284,000 | 293,297,000 |
| Allowance for loan losses | 3,264,000 | 3,183,000 | 2,968,000 | 2,885,000 |
| Securities available for sale | 117,721,000 | 122,178,000 | 113,410,000 | 110,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,716,000 | 309,559,000 | 309,655,000 | 311,188,000 |
| Interest-bearing deposits | 267,171,000 | 265,309,000 | 262,311,000 | 259,763,000 |
| Noninterest-bearing deposits | 46,545,000 | 44,250,000 | 47,344,000 | 51,425,000 |
| Equity capital | 61,646,000 | 63,052,000 | 63,625,000 | 65,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,020,000 | 10,135,000 | 15,184,000 | 20,077,000 |
| Interest expense | 1,451,000 | 2,850,000 | 4,204,000 | 5,494,000 |
| Net interest income | 3,569,000 | 7,285,000 | 10,980,000 | 14,583,000 |
| Noninterest income | 438,000 | 908,000 | 1,354,000 | 2,140,000 |
| Noninterest expense | 3,104,000 | 6,121,000 | 9,121,000 | 12,361,000 |
| Provision for loan losses | 64,000 | 64,000 | 64,000 | 64,000 |
| Pretax income | 841,000 | 2,030,000 | 2,975,000 | 4,047,000 |
| Income tax | 226,000 | 570,000 | 823,000 | 995,000 |
| Net income | 615,000 | 1,460,000 | 2,152,000 | 3,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,773,000 | 56,659,000 | 57,392,000 | 58,333,000 |
| Total capital | 59,965,000 | 60,862,000 | 61,233,000 | 62,348,000 |
| Risk-weighted assets | 283,104,000 | 283,330,000 | 279,837,000 | 263,372,000 |