Call reports 2001
SACO & BIDDEFORD SAVINGS INSTITUTION — 2001
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 389,394,000 | 418,901,000 | 443,845,000 | 452,306,000 |
| Total loans | 245,911,000 | 256,836,000 | 268,964,000 | 277,337,000 |
| Allowance for loan losses | 2,531,000 | 2,548,000 | 2,583,000 | 2,655,000 |
| Securities available for sale | 103,205,000 | 128,257,000 | 139,537,000 | 153,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,960,000 | 303,716,000 | 324,021,000 | 329,440,000 |
| Interest-bearing deposits | 264,907,000 | 286,324,000 | 303,299,000 | 313,204,000 |
| Noninterest-bearing deposits | 15,053,000 | 17,392,000 | 20,722,000 | 16,236,000 |
| Equity capital | 45,847,000 | 46,336,000 | 48,184,000 | 48,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 6,494,000 | 13,439,000 | 20,743,000 | 28,246,000 |
| Interest expense | 4,124,000 | 8,719,000 | 13,487,000 | 18,161,000 |
| Net interest income | 2,370,000 | 4,720,000 | 7,256,000 | 10,085,000 |
| Noninterest income | 145,000 | 323,000 | 507,000 | 712,000 |
| Noninterest expense | 1,565,000 | 3,212,000 | 4,912,000 | 6,685,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,139,000 | 2,006,000 | 3,051,000 | 4,374,000 |
| Income tax | 380,000 | 675,000 | 1,030,000 | 1,455,000 |
| Net income | 759,000 | 1,331,000 | 2,021,000 | 2,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,231,000 | 44,803,000 | 45,493,000 | 46,391,000 |
| Total capital | 47,091,000 | 47,772,000 | 48,189,000 | 49,375,000 |
| Risk-weighted assets | 225,041,000 | 236,505,000 | 249,118,000 | 262,903,000 |