Call reports 2001
KENNEBEC SAVINGS BANK — 2001
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 369,469,000 | 389,647,000 | 403,964,000 | 407,488,000 |
| Total loans | 301,587,000 | 311,986,000 | 323,479,000 | 323,385,000 |
| Allowance for loan losses | 1,894,000 | 1,904,000 | 1,980,000 | 2,048,000 |
| Securities available for sale | 30,811,000 | 38,647,000 | 43,531,000 | 53,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,860,000 | 273,655,000 | 290,114,000 | 296,696,000 |
| Interest-bearing deposits | 248,088,000 | 265,594,000 | 281,182,000 | 288,441,000 |
| Noninterest-bearing deposits | 6,772,000 | 8,061,000 | 8,932,000 | 8,255,000 |
| Equity capital | 46,822,000 | 47,345,000 | 47,446,000 | 49,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 6,378,000 | 13,023,000 | 19,947,000 | 26,622,000 |
| Interest expense | 3,881,000 | 8,069,000 | 12,291,000 | 16,240,000 |
| Net interest income | 2,497,000 | 4,954,000 | 7,656,000 | 10,382,000 |
| Noninterest income | 225,000 | 445,000 | 682,000 | 1,072,000 |
| Noninterest expense | 1,770,000 | 3,459,000 | 5,036,000 | 6,563,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,173,000 | 2,208,000 | 3,537,000 | 3,987,000 |
| Income tax | 386,000 | 715,000 | 1,145,000 | 1,291,000 |
| Net income | 787,000 | 1,493,000 | 2,392,000 | 2,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,584,000 | 46,648,000 | 45,591,000 | 48,344,000 |
| Total capital | 47,478,000 | 48,552,000 | 47,571,000 | 50,392,000 |
| Risk-weighted assets | 219,871,000 | 230,465,000 | 238,677,000 | 244,333,000 |