Call reports 2002
SACO & BIDDEFORD SAVINGS INSTITUTION — 2002
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 465,488,000 | 478,256,000 | 491,455,000 | 496,575,000 |
| Total loans | 286,869,000 | 294,844,000 | 297,384,000 | 304,014,000 |
| Allowance for loan losses | 2,634,000 | 2,645,000 | 2,675,000 | 2,685,000 |
| Securities available for sale | 158,621,000 | 152,566,000 | 165,527,000 | 166,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,649,000 | 345,275,000 | 356,051,000 | 359,201,000 |
| Interest-bearing deposits | 317,708,000 | 325,223,000 | 335,841,000 | 339,537,000 |
| Noninterest-bearing deposits | 18,941,000 | 20,052,000 | 20,210,000 | 19,664,000 |
| Equity capital | 48,449,000 | 50,520,000 | 52,292,000 | 53,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,490,000 | 14,973,000 | 22,548,000 | 30,057,000 |
| Interest expense | 4,197,000 | 8,196,000 | 12,246,000 | 16,073,000 |
| Net interest income | 3,293,000 | 6,777,000 | 10,302,000 | 13,984,000 |
| Noninterest income | 183,000 | 359,000 | 590,000 | 804,000 |
| Noninterest expense | 1,851,000 | 3,674,000 | 5,554,000 | 7,555,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,637,000 | 3,381,000 | 4,267,000 | 6,228,000 |
| Income tax | 570,000 | 1,162,000 | 1,437,000 | 2,074,000 |
| Net income | 1,067,000 | 2,219,000 | 2,830,000 | 4,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,458,000 | 48,610,000 | 49,097,000 | 49,413,000 |
| Total capital | 50,419,000 | 51,283,000 | 51,772,000 | 52,098,000 |
| Risk-weighted assets | 265,560,000 | 270,897,000 | 277,916,000 | 279,322,000 |