Call reports 2013
SKOWHEGAN SAVINGS BANK — 2013
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 464,485,000 | 473,112,000 | 478,980,000 | 497,194,000 |
| Total loans | 336,037,000 | 336,598,000 | 341,238,000 | 388,952,000 |
| Allowance for loan losses | 3,097,000 | 3,181,000 | 3,226,000 | 3,580,000 |
| Securities available for sale | 94,014,000 | 100,295,000 | 100,265,000 | 65,729,000 |
| Securities held to maturity | 0 | 0 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,839,000 | 299,060,000 | 316,031,000 | 393,117,000 |
| Interest-bearing deposits | 249,809,000 | 247,517,000 | 252,511,000 | 305,094,000 |
| Noninterest-bearing deposits | 55,030,000 | 51,543,000 | 63,520,000 | 88,023,000 |
| Equity capital | 68,375,000 | 68,231,000 | 68,761,000 | 68,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,717,000 | 9,332,000 | 13,971,000 | 18,979,000 |
| Interest expense | 909,000 | 1,759,000 | 2,571,000 | 3,415,000 |
| Net interest income | 3,808,000 | 7,573,000 | 11,400,000 | 15,564,000 |
| Noninterest income | 424,000 | 876,000 | 1,343,000 | 1,876,000 |
| Noninterest expense | 3,259,000 | 6,165,000 | 9,366,000 | 14,061,000 |
| Provision for loan losses | 154,000 | 308,000 | 462,000 | 999,000 |
| Pretax income | 1,001,000 | 2,118,000 | 3,062,000 | 3,380,000 |
| Income tax | 327,000 | 648,000 | 912,000 | 956,000 |
| Net income | 674,000 | 1,470,000 | 2,150,000 | 2,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,055,000 | 62,892,000 | 63,613,000 | 61,375,000 |
| Total capital | 66,440,000 | 67,461,000 | 68,280,000 | 66,647,000 |
| Risk-weighted assets | 311,750,000 | 312,938,000 | 317,216,000 | 355,198,000 |