Call reports 2015
SACO & BIDDEFORD SAVINGS INSTITUTION — 2015
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 836,987,000 | 849,954,000 | 858,929,000 | 861,705,000 |
| Total loans | 675,762,000 | 683,764,000 | 693,969,000 | 697,234,000 |
| Allowance for loan losses | 4,529,000 | 4,505,000 | 4,364,000 | 4,376,000 |
| Securities available for sale | 102,307,000 | 109,627,000 | 109,594,000 | 109,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 546,307,000 | 551,805,000 | 562,217,000 | 561,886,000 |
| Interest-bearing deposits | 490,221,000 | 490,769,000 | 493,979,000 | 495,548,000 |
| Noninterest-bearing deposits | 56,086,000 | 61,036,000 | 68,238,000 | 66,338,000 |
| Equity capital | 87,456,000 | 88,019,000 | 89,896,000 | 91,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,143,000 | 16,322,000 | 24,799,000 | 33,177,000 |
| Interest expense | 1,881,000 | 3,686,000 | 5,512,000 | 7,354,000 |
| Net interest income | 6,262,000 | 12,636,000 | 19,287,000 | 25,823,000 |
| Noninterest income | 1,984,000 | 3,857,000 | 5,661,000 | 7,278,000 |
| Noninterest expense | 6,110,000 | 12,184,000 | 18,340,000 | 24,767,000 |
| Provision for loan losses | 70,000 | 125,000 | 205,000 | 300,000 |
| Pretax income | 2,281,000 | 4,633,000 | 6,933,000 | 8,688,000 |
| Income tax | 710,000 | 1,435,000 | 2,135,000 | 2,605,000 |
| Net income | 1,571,000 | 3,198,000 | 4,798,000 | 6,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,807,000 | 89,519,000 | 91,198,000 | 92,568,000 |
| Total capital | 93,688,000 | 95,151,000 | 96,448,000 | 98,100,000 |
| Risk-weighted assets | 581,024,000 | 592,601,000 | 586,355,000 | 589,348,000 |