Call reports 2014
SACO & BIDDEFORD SAVINGS INSTITUTION — 2014
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 801,302,000 | 816,280,000 | 820,946,000 | 829,413,000 |
| Total loans | 642,053,000 | 654,086,000 | 659,850,000 | 670,748,000 |
| Allowance for loan losses | 4,533,000 | 4,589,000 | 4,586,000 | 4,552,000 |
| Securities available for sale | 102,314,000 | 104,523,000 | 105,261,000 | 103,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,367,000 | 543,549,000 | 546,432,000 | 536,425,000 |
| Interest-bearing deposits | 484,476,000 | 489,940,000 | 488,496,000 | 476,445,000 |
| Noninterest-bearing deposits | 48,891,000 | 53,609,000 | 57,936,000 | 59,980,000 |
| Equity capital | 82,748,000 | 85,195,000 | 86,555,000 | 85,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,936,000 | 15,883,000 | 24,121,000 | 32,228,000 |
| Interest expense | 2,079,000 | 4,175,000 | 6,255,000 | 8,220,000 |
| Net interest income | 5,857,000 | 11,708,000 | 17,866,000 | 24,008,000 |
| Noninterest income | 2,073,000 | 3,790,000 | 5,625,000 | 7,181,000 |
| Noninterest expense | 6,010,000 | 11,716,000 | 17,499,000 | 23,582,000 |
| Provision for loan losses | 100,000 | 170,000 | 220,000 | 315,000 |
| Pretax income | 2,098,000 | 4,204,000 | 6,516,000 | 8,263,000 |
| Income tax | 650,000 | 1,300,000 | 2,005,000 | 2,545,000 |
| Net income | 1,448,000 | 2,904,000 | 4,511,000 | 5,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,441,000 | 81,053,000 | 82,846,000 | 84,165,000 |
| Total capital | 85,204,000 | 86,919,000 | 88,644,000 | 90,149,000 |
| Risk-weighted assets | 545,405,000 | 567,289,000 | 565,404,000 | 571,276,000 |