Call reports 2018
SACO & BIDDEFORD SAVINGS INSTITUTION — 2018
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 966,943,000 | 974,770,000 | 985,935,000 | 989,050,000 |
| Total loans | 784,914,000 | 793,010,000 | 809,085,000 | 829,732,000 |
| Allowance for loan losses | 4,510,000 | 4,529,000 | 4,529,000 | 4,537,000 |
| Securities available for sale | 113,863,000 | 115,390,000 | 113,926,000 | 100,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 631,406,000 | 639,845,000 | 656,100,000 | 658,316,000 |
| Interest-bearing deposits | 542,846,000 | 544,692,000 | 555,629,000 | 563,755,000 |
| Noninterest-bearing deposits | 88,560,000 | 95,153,000 | 100,471,000 | 94,561,000 |
| Equity capital | 106,048,000 | 107,387,000 | 108,892,000 | 110,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 9,424,000 | 18,994,000 | 28,851,000 | 39,065,000 |
| Interest expense | 2,378,000 | 5,020,000 | 7,940,000 | 11,266,000 |
| Net interest income | 7,046,000 | 13,974,000 | 20,911,000 | 27,799,000 |
| Noninterest income | 2,253,000 | 4,011,000 | 5,828,000 | 7,378,000 |
| Noninterest expense | 6,732,000 | 13,420,000 | 20,300,000 | 27,510,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 3,035,000 | 5,435,000 | 7,476,000 | 8,426,000 |
| Income tax | 595,000 | 1,055,000 | 1,430,000 | 1,575,000 |
| Net income | 2,440,000 | 4,380,000 | 6,046,000 | 6,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,344,000 | 110,430,000 | 112,250,000 | 113,186,000 |
| Total capital | 113,979,000 | 115,911,000 | 117,972,000 | 118,510,000 |
| Risk-weighted assets | 650,079,000 | 657,875,000 | 658,016,000 | 670,656,000 |