Call reports 2002
KENNEBEC SAVINGS BANK — 2002
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 413,359,000 | 424,826,000 | 430,314,000 | 432,014,000 |
| Total loans | 327,458,000 | 332,888,000 | 337,537,000 | 339,380,000 |
| Allowance for loan losses | 2,082,000 | 2,154,000 | 2,237,000 | 2,155,000 |
| Securities available for sale | 57,462,000 | 57,046,000 | 61,808,000 | 66,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,300,000 | 307,912,000 | 313,779,000 | 319,135,000 |
| Interest-bearing deposits | 291,664,000 | 298,352,000 | 302,756,000 | 308,808,000 |
| Noninterest-bearing deposits | 8,637,000 | 9,560,000 | 11,023,000 | 10,327,000 |
| Equity capital | 49,379,000 | 49,809,000 | 50,833,000 | 51,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,405,000 | 12,878,000 | 19,471,000 | 25,997,000 |
| Interest expense | 3,502,000 | 6,799,000 | 10,036,000 | 13,024,000 |
| Net interest income | 2,903,000 | 6,079,000 | 9,435,000 | 12,973,000 |
| Noninterest income | 249,000 | 462,000 | 700,000 | 981,000 |
| Noninterest expense | 1,840,000 | 3,600,000 | 5,595,000 | 7,944,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,244,000 | 2,855,000 | 4,339,000 | 5,502,000 |
| Income tax | 447,000 | 906,000 | 1,224,000 | 1,890,000 |
| Net income | 797,000 | 1,949,000 | 3,115,000 | 3,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,686,000 | 48,146,000 | 49,705,000 | 50,533,000 |
| Total capital | 50,768,000 | 50,300,000 | 51,942,000 | 52,688,000 |
| Risk-weighted assets | 248,549,000 | 256,396,000 | 258,005,000 | 262,043,000 |