Call reports 2016
SACO & BIDDEFORD SAVINGS INSTITUTION — 2016
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 879,516,000 | 891,508,000 | 879,881,000 | 878,375,000 |
| Total loans | 711,949,000 | 719,272,000 | 705,371,000 | 712,074,000 |
| Allowance for loan losses | 4,431,000 | 4,496,000 | 4,549,000 | 4,592,000 |
| Securities available for sale | 108,751,000 | 107,866,000 | 105,088,000 | 108,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 576,963,000 | 583,119,000 | 589,191,000 | 582,579,000 |
| Interest-bearing deposits | 510,183,000 | 513,041,000 | 509,110,000 | 503,183,000 |
| Noninterest-bearing deposits | 66,780,000 | 70,078,000 | 80,081,000 | 79,396,000 |
| Equity capital | 94,283,000 | 96,835,000 | 98,253,000 | 98,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,551,000 | 17,100,000 | 25,571,000 | 33,910,000 |
| Interest expense | 1,902,000 | 3,768,000 | 5,603,000 | 7,395,000 |
| Net interest income | 6,649,000 | 13,332,000 | 19,968,000 | 26,515,000 |
| Noninterest income | 1,964,000 | 4,005,000 | 6,078,000 | 7,775,000 |
| Noninterest expense | 6,360,000 | 12,572,000 | 18,947,000 | 25,324,000 |
| Provision for loan losses | 70,000 | 130,000 | 170,000 | 205,000 |
| Pretax income | 2,403,000 | 5,010,000 | 7,584,000 | 9,474,000 |
| Income tax | 745,000 | 1,525,000 | 2,330,000 | 2,885,000 |
| Net income | 1,658,000 | 3,485,000 | 5,254,000 | 6,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,765,000 | 95,701,000 | 97,576,000 | 99,017,000 |
| Total capital | 99,496,000 | 101,644,000 | 103,462,000 | 104,976,000 |
| Risk-weighted assets | 604,522,000 | 617,366,000 | 621,107,000 | 630,524,000 |