Call reports 2006
SACO & BIDDEFORD SAVINGS INSTITUTION — 2006
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 629,131,000 | 649,327,000 | 663,329,000 | 672,097,000 |
| Total loans | 482,769,000 | 499,523,000 | 508,401,000 | 520,337,000 |
| Allowance for loan losses | 2,834,000 | 2,809,000 | 2,760,000 | 2,759,000 |
| Securities available for sale | 112,460,000 | 111,363,000 | 111,180,000 | 111,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,823,000 | 426,936,000 | 429,305,000 | 426,621,000 |
| Interest-bearing deposits | 393,273,000 | 398,120,000 | 399,828,000 | 399,167,000 |
| Noninterest-bearing deposits | 26,550,000 | 28,816,000 | 29,477,000 | 27,454,000 |
| Equity capital | 64,080,000 | 64,541,000 | 66,637,000 | 67,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,341,000 | 17,072,000 | 26,352,000 | 35,703,000 |
| Interest expense | 4,393,000 | 9,286,000 | 14,510,000 | 20,109,000 |
| Net interest income | 3,948,000 | 7,786,000 | 11,842,000 | 15,594,000 |
| Noninterest income | 212,000 | 464,000 | 745,000 | 1,003,000 |
| Noninterest expense | 2,820,000 | 5,695,000 | 8,784,000 | 12,257,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,442,000 | 2,652,000 | 3,887,000 | 4,461,000 |
| Income tax | 454,000 | 853,000 | 1,205,000 | 1,352,000 |
| Net income | 988,000 | 1,799,000 | 2,682,000 | 3,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,924,000 | 65,735,000 | 66,618,000 | 67,045,000 |
| Total capital | 68,034,000 | 68,807,000 | 69,690,000 | 70,286,000 |
| Risk-weighted assets | 358,401,000 | 370,402,000 | 383,778,000 | 393,208,000 |