Call reports 2017
SACO & BIDDEFORD SAVINGS INSTITUTION — 2017
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 891,504,000 | 919,452,000 | 949,071,000 | 957,759,000 |
| Total loans | 720,828,000 | 746,789,000 | 769,210,000 | 779,705,000 |
| Allowance for loan losses | 4,574,000 | 4,554,000 | 4,558,000 | 4,500,000 |
| Securities available for sale | 111,188,000 | 114,535,000 | 113,762,000 | 115,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 595,300,000 | 602,786,000 | 613,310,000 | 618,863,000 |
| Interest-bearing deposits | 514,707,000 | 521,940,000 | 520,221,000 | 530,874,000 |
| Noninterest-bearing deposits | 80,593,000 | 80,846,000 | 93,089,000 | 87,989,000 |
| Equity capital | 100,605,000 | 102,296,000 | 104,332,000 | 105,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,423,000 | 17,181,000 | 26,164,000 | 35,386,000 |
| Interest expense | 1,785,000 | 3,683,000 | 5,768,000 | 7,995,000 |
| Net interest income | 6,638,000 | 13,498,000 | 20,396,000 | 27,391,000 |
| Noninterest income | 2,114,000 | 3,737,000 | 5,742,000 | 7,279,000 |
| Noninterest expense | 6,443,000 | 13,093,000 | 19,811,000 | 26,540,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 2,781,000 | 4,880,000 | 7,352,000 | 9,363,000 |
| Income tax | 840,000 | 1,430,000 | 2,130,000 | 3,120,000 |
| Net income | 1,941,000 | 3,450,000 | 5,222,000 | 6,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,612,000 | 102,250,000 | 104,151,000 | 106,151,000 |
| Total capital | 106,593,000 | 108,193,000 | 110,162,000 | 112,275,000 |
| Risk-weighted assets | 641,983,000 | 646,166,000 | 661,859,000 | 656,376,000 |