Call reports 2006
KENNEBEC SAVINGS BANK — 2006
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 567,313,000 | 590,254,000 | 602,773,000 | 607,412,000 |
| Total loans | 455,373,000 | 473,955,000 | 483,210,000 | 494,549,000 |
| Allowance for loan losses | 2,744,000 | 2,739,000 | 2,740,000 | 2,740,000 |
| Securities available for sale | 78,916,000 | 79,425,000 | 83,170,000 | 74,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,865,000 | 378,746,000 | 379,658,000 | 384,729,000 |
| Interest-bearing deposits | 359,455,000 | 360,771,000 | 360,892,000 | 368,838,000 |
| Noninterest-bearing deposits | 14,410,000 | 17,975,000 | 18,766,000 | 15,891,000 |
| Equity capital | 63,794,000 | 64,044,000 | 66,029,000 | 67,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,490,000 | 15,397,000 | 23,723,000 | 32,418,000 |
| Interest expense | 3,851,000 | 8,116,000 | 12,857,000 | 17,981,000 |
| Net interest income | 3,639,000 | 7,281,000 | 10,866,000 | 14,437,000 |
| Noninterest income | 627,000 | 1,169,000 | 1,692,000 | 2,339,000 |
| Noninterest expense | 2,694,000 | 5,351,000 | 7,965,000 | 10,668,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,558,000 | 3,143,000 | 4,439,000 | 6,829,000 |
| Income tax | 503,000 | 990,000 | 1,291,000 | 2,011,000 |
| Net income | 1,055,000 | 2,153,000 | 3,148,000 | 4,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,914,000 | 65,231,000 | 66,154,000 | 67,663,000 |
| Total capital | 67,658,000 | 67,970,000 | 68,894,000 | 70,403,000 |
| Risk-weighted assets | 358,120,000 | 375,014,000 | 382,657,000 | 385,675,000 |