Call reports 2012
SKOWHEGAN SAVINGS BANK — 2012
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 457,601,000 | 461,896,000 | 459,319,000 | 464,780,000 |
| Total loans | 303,145,000 | 312,357,000 | 322,845,000 | 335,726,000 |
| Allowance for loan losses | 2,842,000 | 2,796,000 | 2,873,000 | 3,037,000 |
| Securities available for sale | 118,112,000 | 112,588,000 | 99,804,000 | 91,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,957,000 | 311,539,000 | 312,009,000 | 307,771,000 |
| Interest-bearing deposits | 258,000,000 | 257,841,000 | 255,281,000 | 251,511,000 |
| Noninterest-bearing deposits | 52,957,000 | 53,698,000 | 56,728,000 | 56,260,000 |
| Equity capital | 65,864,000 | 66,757,000 | 67,759,000 | 67,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,788,000 | 9,633,000 | 14,459,000 | 19,200,000 |
| Interest expense | 1,230,000 | 2,445,000 | 3,617,000 | 4,647,000 |
| Net interest income | 3,558,000 | 7,188,000 | 10,842,000 | 14,553,000 |
| Noninterest income | 434,000 | 869,000 | 1,399,000 | 1,638,000 |
| Noninterest expense | 2,985,000 | 5,984,000 | 8,919,000 | 12,348,000 |
| Provision for loan losses | 45,000 | 90,000 | 280,000 | 545,000 |
| Pretax income | 959,000 | 1,973,000 | 2,961,000 | 3,811,000 |
| Income tax | 214,000 | 421,000 | 779,000 | 970,000 |
| Net income | 745,000 | 1,552,000 | 2,182,000 | 2,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,120,000 | 59,968,000 | 60,639,000 | 61,340,000 |
| Total capital | 63,402,000 | 64,223,000 | 64,997,000 | 65,422,000 |
| Risk-weighted assets | 289,518,000 | 296,991,000 | 301,850,000 | 310,205,000 |