Call reports 2004
KENNEBEC SAVINGS BANK — 2004
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 476,526,000 | 490,183,000 | 501,184,000 | 497,473,000 |
| Total loans | 362,427,000 | 379,330,000 | 390,453,000 | 396,103,000 |
| Allowance for loan losses | 2,525,000 | 2,581,000 | 2,648,000 | 2,726,000 |
| Securities available for sale | 84,454,000 | 85,746,000 | 81,556,000 | 76,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,879,000 | 352,919,000 | 358,496,000 | 358,837,000 |
| Interest-bearing deposits | 331,723,000 | 337,538,000 | 342,609,000 | 346,465,000 |
| Noninterest-bearing deposits | 12,156,000 | 15,381,000 | 15,887,000 | 12,372,000 |
| Equity capital | 57,592,000 | 57,724,000 | 58,850,000 | 60,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,008,000 | 12,010,000 | 18,230,000 | 24,660,000 |
| Interest expense | 2,545,000 | 5,142,000 | 7,811,000 | 10,650,000 |
| Net interest income | 3,463,000 | 6,868,000 | 10,419,000 | 14,010,000 |
| Noninterest income | 283,000 | 663,000 | 943,000 | 1,400,000 |
| Noninterest expense | 2,330,000 | 4,494,000 | 6,752,000 | 9,338,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,694,000 | 3,224,000 | 4,787,000 | 6,678,000 |
| Income tax | 548,000 | 1,035,000 | 1,532,000 | 2,114,000 |
| Net income | 1,146,000 | 2,189,000 | 3,255,000 | 4,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,876,000 | 57,946,000 | 58,523,000 | 60,237,000 |
| Total capital | 59,401,000 | 60,664,000 | 61,171,000 | 62,963,000 |
| Risk-weighted assets | 293,258,000 | 303,084,000 | 321,838,000 | 329,921,000 |