Call reports 2005
SACO & BIDDEFORD SAVINGS INSTITUTION — 2005
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 566,067,000 | 590,670,000 | 610,055,000 | 608,339,000 |
| Total loans | 431,856,000 | 443,890,000 | 452,525,000 | 464,876,000 |
| Allowance for loan losses | 2,814,000 | 2,818,000 | 2,821,000 | 2,835,000 |
| Securities available for sale | 95,950,000 | 92,964,000 | 99,569,000 | 109,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,292,000 | 396,998,000 | 415,072,000 | 412,561,000 |
| Interest-bearing deposits | 357,949,000 | 371,061,000 | 388,338,000 | 383,936,000 |
| Noninterest-bearing deposits | 24,343,000 | 25,937,000 | 26,734,000 | 28,625,000 |
| Equity capital | 61,254,000 | 62,504,000 | 63,006,000 | 63,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,245,000 | 14,862,000 | 22,757,000 | 30,906,000 |
| Interest expense | 3,384,000 | 7,138,000 | 11,183,000 | 15,415,000 |
| Net interest income | 3,861,000 | 7,724,000 | 11,574,000 | 15,491,000 |
| Noninterest income | 198,000 | 402,000 | 659,000 | 895,000 |
| Noninterest expense | 2,744,000 | 5,419,000 | 8,140,000 | 11,185,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,456,000 | 3,020,000 | 4,489,000 | 5,646,000 |
| Income tax | 482,000 | 1,008,000 | 1,499,000 | 1,844,000 |
| Net income | 974,000 | 2,012,000 | 2,990,000 | 3,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,108,000 | 62,146,000 | 63,124,000 | 63,936,000 |
| Total capital | 64,287,000 | 65,270,000 | 66,301,000 | 67,046,000 |
| Risk-weighted assets | 325,533,000 | 338,940,000 | 345,574,000 | 346,725,000 |