Call reports 2004
SACO & BIDDEFORD SAVINGS INSTITUTION — 2004
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 542,265,000 | 555,490,000 | 561,813,000 | 559,011,000 |
| Total loans | 369,240,000 | 388,551,000 | 406,537,000 | 420,083,000 |
| Allowance for loan losses | 2,836,000 | 2,834,000 | 2,817,000 | 2,816,000 |
| Securities available for sale | 132,397,000 | 130,930,000 | 124,174,000 | 110,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,909,000 | 385,241,000 | 385,234,000 | 378,645,000 |
| Interest-bearing deposits | 353,354,000 | 361,002,000 | 358,918,000 | 353,304,000 |
| Noninterest-bearing deposits | 23,555,000 | 24,239,000 | 26,316,000 | 25,341,000 |
| Equity capital | 60,368,000 | 59,545,000 | 60,732,000 | 61,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,932,000 | 13,872,000 | 20,989,000 | 28,201,000 |
| Interest expense | 3,201,000 | 6,426,000 | 9,767,000 | 13,139,000 |
| Net interest income | 3,731,000 | 7,446,000 | 11,222,000 | 15,062,000 |
| Noninterest income | 186,000 | 429,000 | 659,000 | 808,000 |
| Noninterest expense | 2,446,000 | 4,834,000 | 7,410,000 | 10,143,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,254,000 | 3,876,000 | 5,460,000 | 6,726,000 |
| Income tax | 755,000 | 1,320,000 | 1,870,000 | 2,300,000 |
| Net income | 1,499,000 | 2,556,000 | 3,590,000 | 4,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,207,000 | 58,264,000 | 59,298,000 | 60,134,000 |
| Total capital | 60,465,000 | 61,513,000 | 62,443,000 | 63,428,000 |
| Risk-weighted assets | 302,748,000 | 313,609,000 | 321,283,000 | 321,940,000 |