Call reports 2011
SACO & BIDDEFORD SAVINGS INSTITUTION — 2011
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 752,571,000 | 755,960,000 | 753,375,000 | 759,848,000 |
| Total loans | 581,658,000 | 594,133,000 | 596,968,000 | 599,786,000 |
| Allowance for loan losses | 3,728,000 | 4,400,000 | 4,196,000 | 4,449,000 |
| Securities available for sale | 119,255,000 | 105,586,000 | 96,458,000 | 101,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,708,000 | 513,771,000 | 520,785,000 | 521,116,000 |
| Interest-bearing deposits | 461,890,000 | 477,283,000 | 479,625,000 | 479,283,000 |
| Noninterest-bearing deposits | 35,818,000 | 36,488,000 | 41,160,000 | 41,833,000 |
| Equity capital | 70,680,000 | 71,827,000 | 72,536,000 | 71,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,603,000 | 17,348,000 | 26,142,000 | 34,791,000 |
| Interest expense | 3,391,000 | 6,560,000 | 9,628,000 | 12,574,000 |
| Net interest income | 5,212,000 | 10,788,000 | 16,514,000 | 22,217,000 |
| Noninterest income | 442,000 | 726,000 | 1,210,000 | 1,750,000 |
| Noninterest expense | 4,394,000 | 8,736,000 | 13,003,000 | 17,664,000 |
| Provision for loan losses | 265,000 | 1,093,000 | 1,393,000 | 1,808,000 |
| Pretax income | 1,201,000 | 2,217,000 | 3,978,000 | 5,650,000 |
| Income tax | 320,000 | 575,000 | 1,090,000 | 1,560,000 |
| Net income | 881,000 | 1,642,000 | 2,888,000 | 4,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,960,000 | 71,691,000 | 72,807,000 | 74,157,000 |
| Total capital | 75,070,000 | 76,489,000 | 77,073,000 | 78,850,000 |
| Risk-weighted assets | 463,797,000 | 470,066,000 | 469,351,000 | 468,011,000 |