Call reports 2007
SACO & BIDDEFORD SAVINGS INSTITUTION — 2007
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 676,186,000 | 674,339,000 | 697,621,000 | 700,168,000 |
| Total loans | 525,086,000 | 530,797,000 | 537,873,000 | 548,456,000 |
| Allowance for loan losses | 2,736,000 | 2,753,000 | 2,710,000 | 2,713,000 |
| Securities available for sale | 109,242,000 | 100,093,000 | 108,417,000 | 98,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,570,000 | 424,943,000 | 433,326,000 | 430,875,000 |
| Interest-bearing deposits | 398,346,000 | 393,927,000 | 403,468,000 | 403,778,000 |
| Noninterest-bearing deposits | 28,224,000 | 31,016,000 | 29,858,000 | 27,097,000 |
| Equity capital | 68,264,000 | 68,401,000 | 69,984,000 | 69,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,569,000 | 19,156,000 | 29,127,000 | 39,328,000 |
| Interest expense | 5,744,000 | 11,521,000 | 17,603,000 | 23,916,000 |
| Net interest income | 3,825,000 | 7,635,000 | 11,524,000 | 15,412,000 |
| Noninterest income | 241,000 | 540,000 | 834,000 | 1,104,000 |
| Noninterest expense | 3,296,000 | 6,640,000 | 9,974,000 | 13,460,000 |
| Provision for loan losses | 0 | 0 | 16,000 | 27,000 |
| Pretax income | 1,024,000 | 1,662,000 | 2,688,000 | 3,334,000 |
| Income tax | 289,000 | 427,000 | 722,000 | 865,000 |
| Net income | 735,000 | 1,235,000 | 1,966,000 | 2,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,780,000 | 68,280,000 | 69,011,000 | 69,514,000 |
| Total capital | 70,890,000 | 71,492,000 | 72,186,000 | 72,625,000 |
| Risk-weighted assets | 394,771,000 | 399,711,000 | 417,418,000 | 431,999,000 |