Call reports 2016
SKOWHEGAN SAVINGS BANK — 2016
What SKOWHEGAN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 571,300,000 | 569,716,000 | 609,580,000 | 588,505,000 |
| Total loans | 438,017,000 | 431,915,000 | 440,818,000 | 454,900,000 |
| Allowance for loan losses | 4,337,000 | 4,364,000 | 4,438,000 | 4,598,000 |
| Securities available for sale | 93,473,000 | 95,404,000 | 91,086,000 | 90,410,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 999,000 | 999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,537,000 | 420,611,000 | 443,889,000 | 444,608,000 |
| Interest-bearing deposits | 310,854,000 | 309,121,000 | 312,159,000 | 314,277,000 |
| Noninterest-bearing deposits | 113,683,000 | 111,490,000 | 131,730,000 | 130,331,000 |
| Equity capital | 77,025,000 | 78,549,000 | 78,910,000 | 79,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,197,000 | 10,361,000 | 15,482,000 | 20,656,000 |
| Interest expense | 463,000 | 902,000 | 1,327,000 | 1,749,000 |
| Net interest income | 4,734,000 | 9,459,000 | 14,155,000 | 18,907,000 |
| Noninterest income | 508,000 | 1,053,000 | 1,727,000 | 1,313,000 |
| Noninterest expense | 3,819,000 | 7,725,000 | 12,144,000 | 16,136,000 |
| Provision for loan losses | 125,000 | 250,000 | 375,000 | 570,000 |
| Pretax income | 1,299,000 | 2,540,000 | 3,868,000 | 4,026,000 |
| Income tax | 352,000 | 677,000 | 1,034,000 | -230,000 |
| Net income | 947,000 | 1,863,000 | 2,834,000 | 4,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,204,000 | 71,207,000 | 72,264,000 | 73,785,000 |
| Total capital | 76,568,000 | 77,839,000 | 78,723,000 | 80,583,000 |
| Risk-weighted assets | 392,309,000 | 387,292,000 | 401,380,000 | 410,956,000 |