Call reports 2010
KENNEBEC SAVINGS BANK — 2010
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 724,715,000 | 759,915,000 | 776,761,000 | 776,800,000 |
| Total loans | 614,749,000 | 628,940,000 | 637,553,000 | 639,593,000 |
| Allowance for loan losses | 2,689,000 | 2,733,000 | 2,913,000 | 3,303,000 |
| Securities available for sale | 51,628,000 | 45,700,000 | 53,262,000 | 72,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 476,856,000 | 502,752,000 | 512,881,000 | 518,128,000 |
| Interest-bearing deposits | 456,727,000 | 477,256,000 | 485,847,000 | 493,520,000 |
| Noninterest-bearing deposits | 20,129,000 | 25,496,000 | 27,034,000 | 24,608,000 |
| Equity capital | 72,920,000 | 72,872,000 | 75,448,000 | 77,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,637,000 | 17,438,000 | 26,399,000 | 35,338,000 |
| Interest expense | 3,706,000 | 7,454,000 | 11,240,000 | 14,955,000 |
| Net interest income | 4,931,000 | 9,984,000 | 15,159,000 | 20,383,000 |
| Noninterest income | 390,000 | 816,000 | 1,320,000 | 1,924,000 |
| Noninterest expense | 3,690,000 | 7,468,000 | 11,395,000 | 15,117,000 |
| Provision for loan losses | 60,000 | 135,000 | 315,000 | 775,000 |
| Pretax income | 1,566,000 | 3,051,000 | 4,568,000 | 6,648,000 |
| Income tax | 535,000 | 1,021,000 | 1,433,000 | 2,039,000 |
| Net income | 1,031,000 | 2,030,000 | 3,135,000 | 4,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,880,000 | 74,727,000 | 77,106,000 | 79,632,000 |
| Total capital | 77,569,000 | 77,460,000 | 80,019,000 | 82,935,000 |
| Risk-weighted assets | 453,679,000 | 462,406,000 | 473,849,000 | 484,272,000 |