Call reports 2009
KENNEBEC SAVINGS BANK — 2009
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 672,600,000 | 684,386,000 | 703,414,000 | 720,721,000 |
| Total loans | 572,268,000 | 578,316,000 | 594,290,000 | 606,019,000 |
| Allowance for loan losses | 2,577,000 | 2,523,000 | 2,553,000 | 2,680,000 |
| Securities available for sale | 51,369,000 | 59,319,000 | 51,505,000 | 51,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,849,000 | 432,263,000 | 447,310,000 | 474,838,000 |
| Interest-bearing deposits | 403,400,000 | 415,801,000 | 428,773,000 | 453,792,000 |
| Noninterest-bearing deposits | 15,449,000 | 16,462,000 | 18,537,000 | 21,046,000 |
| Equity capital | 64,494,000 | 67,107,000 | 69,521,000 | 71,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,524,000 | 17,041,000 | 25,632,000 | 34,334,000 |
| Interest expense | 4,253,000 | 8,341,000 | 12,322,000 | 16,264,000 |
| Net interest income | 4,271,000 | 8,700,000 | 13,310,000 | 18,070,000 |
| Noninterest income | 380,000 | 664,000 | 891,000 | 1,302,000 |
| Noninterest expense | 3,070,000 | 6,824,000 | 10,598,000 | 14,383,000 |
| Provision for loan losses | 0 | 15,000 | 45,000 | 180,000 |
| Pretax income | 1,576,000 | 2,537,000 | 2,418,000 | 3,671,000 |
| Income tax | 549,000 | 895,000 | 766,000 | 1,151,000 |
| Net income | 1,027,000 | 1,642,000 | 1,652,000 | 2,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,108,000 | 69,913,000 | 71,892,000 | 73,278,000 |
| Total capital | 70,685,000 | 72,436,000 | 74,445,000 | 75,958,000 |
| Risk-weighted assets | 442,869,000 | 443,640,000 | 445,079,000 | 451,760,000 |