Call reports 2008
KENNEBEC SAVINGS BANK — 2008
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 645,136,000 | 651,746,000 | 666,497,000 | 672,002,000 |
| Total loans | 530,549,000 | 547,831,000 | 566,989,000 | 571,921,000 |
| Allowance for loan losses | 2,767,000 | 2,813,000 | 2,592,000 | 2,576,000 |
| Securities available for sale | 70,973,000 | 61,060,000 | 50,901,000 | 50,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,235,000 | 393,706,000 | 397,180,000 | 407,501,000 |
| Interest-bearing deposits | 368,996,000 | 376,319,000 | 379,680,000 | 392,954,000 |
| Noninterest-bearing deposits | 16,239,000 | 17,387,000 | 17,500,000 | 14,547,000 |
| Equity capital | 71,667,000 | 72,099,000 | 65,748,000 | 63,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,904,000 | 17,846,000 | 26,998,000 | 36,071,000 |
| Interest expense | 4,910,000 | 9,702,000 | 14,677,000 | 19,429,000 |
| Net interest income | 3,994,000 | 8,144,000 | 12,321,000 | 16,642,000 |
| Noninterest income | 583,000 | 1,129,000 | 1,462,000 | 1,846,000 |
| Noninterest expense | 2,752,000 | 5,556,000 | 8,299,000 | 11,472,000 |
| Provision for loan losses | 30,000 | 75,000 | 0 | 0 |
| Pretax income | 1,612,000 | 3,329,000 | -1,711,000 | 25,000 |
| Income tax | 538,000 | 1,100,000 | -488,000 | -155,000 |
| Net income | 1,074,000 | 2,229,000 | -1,223,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,063,000 | 71,669,000 | 67,844,000 | 67,462,000 |
| Total capital | 73,830,000 | 74,482,000 | 70,436,000 | 70,038,000 |
| Risk-weighted assets | 422,086,000 | 429,877,000 | 438,162,000 | 447,698,000 |