Call reports 2003
KENNEBEC SAVINGS BANK — 2003
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 441,878,000 | 453,200,000 | 464,101,000 | 471,789,000 |
| Total loans | 338,034,000 | 345,291,000 | 353,755,000 | 357,620,000 |
| Allowance for loan losses | 2,230,000 | 2,303,000 | 2,378,000 | 2,453,000 |
| Securities available for sale | 68,225,000 | 77,827,000 | 86,090,000 | 83,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,080,000 | 332,505,000 | 339,892,000 | 346,317,000 |
| Interest-bearing deposits | 315,576,000 | 321,541,000 | 325,942,000 | 334,705,000 |
| Noninterest-bearing deposits | 11,504,000 | 10,964,000 | 13,950,000 | 11,612,000 |
| Equity capital | 52,508,000 | 55,269,000 | 56,321,000 | 57,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,191,000 | 12,308,000 | 18,343,000 | 24,482,000 |
| Interest expense | 2,682,000 | 5,332,000 | 7,949,000 | 10,473,000 |
| Net interest income | 3,509,000 | 6,976,000 | 10,394,000 | 14,009,000 |
| Noninterest income | 318,000 | 684,000 | 1,104,000 | 1,393,000 |
| Noninterest expense | 2,224,000 | 4,205,000 | 6,335,000 | 8,980,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,379,000 | 3,184,000 | 4,992,000 | 6,344,000 |
| Income tax | 397,000 | 966,000 | 1,587,000 | 2,029,000 |
| Net income | 982,000 | 2,218,000 | 3,405,000 | 4,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,157,000 | 52,624,000 | 54,927,000 | 56,889,000 |
| Total capital | 52,387,000 | 54,927,000 | 57,305,000 | 59,362,000 |
| Risk-weighted assets | 265,165,000 | 272,992,000 | 282,557,000 | 288,491,000 |