Call reports 2012
SACO & BIDDEFORD SAVINGS INSTITUTION — 2012
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 761,899,000 | 768,011,000 | 769,207,000 | 771,895,000 |
| Total loans | 594,051,000 | 595,576,000 | 585,098,000 | 585,458,000 |
| Allowance for loan losses | 4,135,000 | 4,438,000 | 4,361,000 | 4,395,000 |
| Securities available for sale | 115,405,000 | 115,671,000 | 130,908,000 | 137,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,655,000 | 539,780,000 | 533,858,000 | 529,122,000 |
| Interest-bearing deposits | 492,818,000 | 495,130,000 | 483,197,000 | 482,376,000 |
| Noninterest-bearing deposits | 40,837,000 | 44,650,000 | 50,661,000 | 46,746,000 |
| Equity capital | 72,356,000 | 73,473,000 | 75,154,000 | 74,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,503,000 | 16,799,000 | 24,820,000 | 32,588,000 |
| Interest expense | 2,867,000 | 5,675,000 | 8,454,000 | 11,136,000 |
| Net interest income | 5,636,000 | 11,124,000 | 16,366,000 | 21,452,000 |
| Noninterest income | 514,000 | 1,109,000 | 2,813,000 | 4,035,000 |
| Noninterest expense | 4,772,000 | 9,342,000 | 14,595,000 | 19,512,000 |
| Provision for loan losses | 240,000 | 485,000 | 705,000 | 850,000 |
| Pretax income | 1,438,000 | 2,909,000 | 4,625,000 | 5,886,000 |
| Income tax | 430,000 | 875,000 | 1,400,000 | 1,775,000 |
| Net income | 1,008,000 | 2,034,000 | 3,225,000 | 4,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,350,000 | 76,402,000 | 77,635,000 | 78,386,000 |
| Total capital | 79,912,000 | 81,099,000 | 82,388,000 | 83,187,000 |
| Risk-weighted assets | 469,399,000 | 469,077,000 | 460,969,000 | 484,599,000 |