Call reports 2007
KENNEBEC SAVINGS BANK — 2007
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 617,278,000 | 610,407,000 | 632,600,000 | 620,152,000 |
| Total loans | 502,414,000 | 504,970,000 | 516,434,000 | 519,332,000 |
| Allowance for loan losses | 2,743,000 | 2,741,000 | 2,742,000 | 2,739,000 |
| Securities available for sale | 75,718,000 | 68,288,000 | 73,892,000 | 60,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,954,000 | 387,759,000 | 391,712,000 | 378,845,000 |
| Interest-bearing deposits | 371,950,000 | 371,780,000 | 372,670,000 | 364,057,000 |
| Noninterest-bearing deposits | 17,004,000 | 15,979,000 | 19,042,000 | 14,788,000 |
| Equity capital | 68,654,000 | 69,982,000 | 71,876,000 | 72,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,566,000 | 17,376,000 | 26,320,000 | 35,433,000 |
| Interest expense | 5,107,000 | 10,320,000 | 15,575,000 | 20,799,000 |
| Net interest income | 3,459,000 | 7,056,000 | 10,745,000 | 14,634,000 |
| Noninterest income | 481,000 | 1,085,000 | 1,809,000 | 2,539,000 |
| Noninterest expense | 2,747,000 | 5,577,000 | 8,220,000 | 10,508,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,177,000 | 2,937,000 | 4,643,000 | 6,953,000 |
| Income tax | 397,000 | 1,000,000 | 1,586,000 | 2,391,000 |
| Net income | 780,000 | 1,937,000 | 3,057,000 | 4,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,718,000 | 70,441,000 | 72,164,000 | 72,639,000 |
| Total capital | 71,461,000 | 73,182,000 | 74,906,000 | 75,378,000 |
| Risk-weighted assets | 392,774,000 | 393,640,000 | 408,429,000 | 398,930,000 |