Call reports 2010
SACO & BIDDEFORD SAVINGS INSTITUTION — 2010
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 748,198,000 | 747,851,000 | 749,364,000 | 751,586,000 |
| Total loans | 594,009,000 | 597,128,000 | 586,127,000 | 573,591,000 |
| Allowance for loan losses | 3,479,000 | 3,402,000 | 3,537,000 | 3,685,000 |
| Securities available for sale | 101,304,000 | 94,850,000 | 105,616,000 | 116,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,685,000 | 499,130,000 | 506,572,000 | 497,201,000 |
| Interest-bearing deposits | 460,106,000 | 466,179,000 | 468,749,000 | 460,842,000 |
| Noninterest-bearing deposits | 30,579,000 | 32,951,000 | 37,823,000 | 36,359,000 |
| Equity capital | 65,896,000 | 66,827,000 | 68,290,000 | 69,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 9,295,000 | 18,577,000 | 27,766,000 | 36,670,000 |
| Interest expense | 4,104,000 | 7,976,000 | 11,667,000 | 15,262,000 |
| Net interest income | 5,191,000 | 10,601,000 | 16,099,000 | 21,408,000 |
| Noninterest income | 394,000 | 828,000 | 1,460,000 | 2,113,000 |
| Noninterest expense | 4,138,000 | 8,445,000 | 12,812,000 | 17,184,000 |
| Provision for loan losses | 285,000 | 725,000 | 970,000 | 1,475,000 |
| Pretax income | 1,296,000 | 2,762,000 | 4,302,000 | 5,560,000 |
| Income tax | 350,000 | 755,000 | 1,180,000 | 1,520,000 |
| Net income | 946,000 | 2,007,000 | 3,122,000 | 4,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,763,000 | 71,510,000 | 72,939,000 | 73,856,000 |
| Total capital | 74,405,000 | 74,985,000 | 76,621,000 | 77,852,000 |
| Risk-weighted assets | 470,718,000 | 470,694,000 | 466,247,000 | 460,198,000 |