Call reports 2019
SACO & BIDDEFORD SAVINGS INSTITUTION — 2019
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,011,811,000 | 1,024,313,000 | 1,031,461,000 | 1,031,633,000 |
| Total loans | 826,718,000 | 840,979,000 | 845,964,000 | 847,103,000 |
| Allowance for loan losses | 4,547,000 | 4,537,000 | 4,541,000 | 4,600,000 |
| Securities available for sale | 103,434,000 | 105,180,000 | 101,715,000 | 107,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 679,435,000 | 683,587,000 | 695,754,000 | 709,932,000 |
| Interest-bearing deposits | 585,835,000 | 587,157,000 | 592,695,000 | 611,903,000 |
| Noninterest-bearing deposits | 93,600,000 | 96,430,000 | 103,059,000 | 98,029,000 |
| Equity capital | 114,130,000 | 116,432,000 | 118,132,000 | 118,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,327,000 | 20,707,000 | 31,249,000 | 41,642,000 |
| Interest expense | 3,480,000 | 7,237,000 | 11,109,000 | 14,746,000 |
| Net interest income | 6,847,000 | 13,470,000 | 20,140,000 | 26,896,000 |
| Noninterest income | 1,902,000 | 3,796,000 | 5,709,000 | 7,578,000 |
| Noninterest expense | 6,976,000 | 13,798,000 | 20,798,000 | 28,402,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 65,000 |
| Pretax income | 2,888,000 | 5,049,000 | 6,901,000 | 8,612,000 |
| Income tax | 570,000 | 990,000 | 1,345,000 | 1,580,000 |
| Net income | 2,318,000 | 4,059,000 | 5,556,000 | 7,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,449,000 | 118,339,000 | 119,982,000 | 121,604,000 |
| Total capital | 121,326,000 | 123,187,000 | 124,818,000 | 126,493,000 |
| Risk-weighted assets | 671,547,000 | 685,797,000 | 686,551,000 | 683,376,000 |