Call reports 2015
SKOWHEGAN SAVINGS BANK — 2015
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 534,909,000 | 548,381,000 | 560,708,000 | 563,533,000 |
| Total loans | 410,621,000 | 419,186,000 | 428,574,000 | 433,844,000 |
| Allowance for loan losses | 4,077,000 | 4,134,000 | 4,231,000 | 4,280,000 |
| Securities available for sale | 82,450,000 | 87,023,000 | 90,114,000 | 85,764,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,063,000 | 402,176,000 | 410,412,000 | 426,772,000 |
| Interest-bearing deposits | 304,857,000 | 301,257,000 | 303,388,000 | 316,126,000 |
| Noninterest-bearing deposits | 99,206,000 | 100,919,000 | 107,024,000 | 110,646,000 |
| Equity capital | 73,096,000 | 73,407,000 | 74,188,000 | 75,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,979,000 | 9,966,000 | 15,049,000 | 20,221,000 |
| Interest expense | 560,000 | 1,111,000 | 1,674,000 | 2,141,000 |
| Net interest income | 4,419,000 | 8,855,000 | 13,375,000 | 18,080,000 |
| Noninterest income | 501,000 | 1,014,000 | 1,556,000 | 2,095,000 |
| Noninterest expense | 3,725,000 | 7,555,000 | 11,287,000 | 15,349,000 |
| Provision for loan losses | 150,000 | 300,000 | 425,000 | 575,000 |
| Pretax income | 1,036,000 | 2,011,000 | 3,222,000 | 4,468,000 |
| Income tax | 288,000 | 543,000 | 876,000 | 1,252,000 |
| Net income | 748,000 | 1,468,000 | 2,346,000 | 3,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,098,000 | 67,876,000 | 68,810,000 | 69,464,000 |
| Total capital | 73,021,000 | 73,890,000 | 74,601,000 | 75,628,000 |
| Risk-weighted assets | 362,524,000 | 372,915,000 | 383,363,000 | 385,142,000 |