Call reports 2005
KENNEBEC SAVINGS BANK — 2005
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 505,783,000 | 526,030,000 | 544,648,000 | 553,461,000 |
| Total loans | 406,502,000 | 423,319,000 | 440,546,000 | 446,820,000 |
| Allowance for loan losses | 2,756,000 | 2,755,000 | 2,752,000 | 2,752,000 |
| Securities available for sale | 73,324,000 | 73,354,000 | 75,600,000 | 76,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,488,000 | 369,748,000 | 378,621,000 | 378,485,000 |
| Interest-bearing deposits | 350,502,000 | 352,031,000 | 358,858,000 | 359,095,000 |
| Noninterest-bearing deposits | 12,986,000 | 17,717,000 | 19,763,000 | 19,390,000 |
| Equity capital | 59,924,000 | 61,332,000 | 62,626,000 | 63,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,427,000 | 13,155,000 | 20,237,000 | 27,629,000 |
| Interest expense | 2,970,000 | 6,133,000 | 9,603,000 | 13,331,000 |
| Net interest income | 3,457,000 | 7,022,000 | 10,634,000 | 14,298,000 |
| Noninterest income | 403,000 | 808,000 | 1,245,000 | 1,823,000 |
| Noninterest expense | 2,586,000 | 5,253,000 | 7,644,000 | 10,334,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 1,379,000 | 2,692,000 | 4,592,000 | 6,896,000 |
| Income tax | 439,000 | 736,000 | 1,332,000 | 2,089,000 |
| Net income | 940,000 | 1,956,000 | 3,260,000 | 4,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,560,000 | 61,171,000 | 62,401,000 | 63,582,000 |
| Total capital | 63,316,000 | 63,926,000 | 65,153,000 | 66,334,000 |
| Risk-weighted assets | 323,118,000 | 334,453,000 | 346,805,000 | 352,012,000 |