Call reports 2013
SACO & BIDDEFORD SAVINGS INSTITUTION — 2013
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 776,245,000 | 781,910,000 | 793,386,000 | 797,779,000 |
| Total loans | 584,790,000 | 592,696,000 | 611,921,000 | 633,120,000 |
| Allowance for loan losses | 4,506,000 | 4,382,000 | 4,286,000 | 4,416,000 |
| Securities available for sale | 139,824,000 | 133,182,000 | 126,617,000 | 107,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 535,012,000 | 530,184,000 | 540,921,000 | 533,080,000 |
| Interest-bearing deposits | 486,792,000 | 480,159,000 | 481,952,000 | 482,197,000 |
| Noninterest-bearing deposits | 48,220,000 | 50,025,000 | 58,969,000 | 50,883,000 |
| Equity capital | 76,092,000 | 74,950,000 | 76,393,000 | 80,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,609,000 | 15,187,000 | 22,894,000 | 30,704,000 |
| Interest expense | 2,523,000 | 4,951,000 | 7,263,000 | 9,503,000 |
| Net interest income | 5,086,000 | 10,236,000 | 15,631,000 | 21,201,000 |
| Noninterest income | 1,004,000 | 2,637,000 | 4,917,000 | 6,563,000 |
| Noninterest expense | 4,950,000 | 10,434,000 | 16,371,000 | 22,403,000 |
| Provision for loan losses | 105,000 | 215,000 | 360,000 | 505,000 |
| Pretax income | 1,399,000 | 2,973,000 | 4,698,000 | 5,983,000 |
| Income tax | 405,000 | 870,000 | 1,405,000 | 1,765,000 |
| Net income | 994,000 | 2,103,000 | 3,293,000 | 4,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,505,000 | 74,814,000 | 76,125,000 | 77,351,000 |
| Total capital | 84,824,000 | 79,890,000 | 81,342,000 | 83,018,000 |
| Risk-weighted assets | 491,749,000 | 502,395,000 | 519,757,000 | 538,086,000 |