Call reports 2009
SACO & BIDDEFORD SAVINGS INSTITUTION — 2009
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 755,465,000 | 749,304,000 | 743,094,000 | 745,400,000 |
| Total loans | 607,511,000 | 601,419,000 | 602,871,000 | 604,719,000 |
| Allowance for loan losses | 2,742,000 | 2,844,000 | 3,155,000 | 3,304,000 |
| Securities available for sale | 84,156,000 | 85,677,000 | 89,982,000 | 83,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,603,000 | 492,412,000 | 497,349,000 | 490,315,000 |
| Interest-bearing deposits | 464,298,000 | 464,502,000 | 464,477,000 | 457,829,000 |
| Noninterest-bearing deposits | 26,305,000 | 27,910,000 | 32,872,000 | 32,486,000 |
| Equity capital | 59,941,000 | 61,658,000 | 63,459,000 | 64,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,048,000 | 19,998,000 | 29,770,000 | 39,373,000 |
| Interest expense | 5,556,000 | 11,011,000 | 16,163,000 | 20,860,000 |
| Net interest income | 4,492,000 | 8,987,000 | 13,607,000 | 18,513,000 |
| Noninterest income | 419,000 | 1,027,000 | 1,551,000 | 1,958,000 |
| Noninterest expense | 4,057,000 | 8,544,000 | 12,646,000 | 16,879,000 |
| Provision for loan losses | 170,000 | 540,000 | 880,000 | 1,345,000 |
| Pretax income | 847,000 | 1,114,000 | 1,707,000 | 2,608,000 |
| Income tax | 202,000 | 204,000 | 327,000 | 550,000 |
| Net income | 645,000 | 910,000 | 1,380,000 | 2,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,990,000 | 68,144,000 | 68,994,000 | 69,804,000 |
| Total capital | 69,767,000 | 71,030,000 | 72,204,000 | 73,181,000 |
| Risk-weighted assets | 480,524,000 | 472,202,000 | 468,860,000 | 470,679,000 |