Call reports 2025
SACO & BIDDEFORD SAVINGS INSTITUTION — 2025
What SACO & BIDDEFORD SAVINGS INSTITUTION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,421,036,000 | 1,439,697,000 | 1,443,631,000 | 1,446,208,000 |
| Total loans | 1,133,533,000 | 1,153,900,000 | 1,169,884,000 | 1,176,075,000 |
| Allowance for loan losses | 4,778,000 | 4,814,000 | 4,879,000 | 4,891,000 |
| Securities available for sale | 182,389,000 | 182,074,000 | 181,087,000 | 178,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,011,028,000 | 1,017,963,000 | 1,053,543,000 | 1,032,362,000 |
| Interest-bearing deposits | 845,352,000 | 846,920,000 | 867,437,000 | 850,014,000 |
| Noninterest-bearing deposits | 165,676,000 | 171,043,000 | 186,106,000 | 182,348,000 |
| Equity capital | 126,472,000 | 126,615,000 | 129,746,000 | 133,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 15,998,000 | 32,366,000 | 49,354,000 | 66,618,000 |
| Interest expense | 9,145,000 | 18,393,000 | 27,699,000 | 36,889,000 |
| Net interest income | 6,853,000 | 13,973,000 | 21,655,000 | 29,729,000 |
| Noninterest income | 2,340,000 | 4,809,000 | 7,683,000 | 10,954,000 |
| Noninterest expense | 9,207,000 | 18,229,000 | 27,259,000 | 36,981,000 |
| Provision for loan losses | 0 | 130,000 | 200,000 | 220,000 |
| Pretax income | -62,000 | 595,000 | 2,245,000 | 3,890,000 |
| Income tax | -15,000 | 115,000 | 475,000 | 805,000 |
| Net income | -47,000 | 480,000 | 1,770,000 | 3,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,001,000 | 144,529,000 | 145,829,000 | 147,150,000 |