Call reports 2011
KENNEBEC SAVINGS BANK — 2011
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 775,369,000 | 780,365,000 | 797,042,000 | 795,427,000 |
| Total loans | 633,638,000 | 639,267,000 | 642,807,000 | 638,972,000 |
| Allowance for loan losses | 3,490,000 | 3,572,000 | 3,731,000 | 3,527,000 |
| Securities available for sale | 62,968,000 | 57,773,000 | 80,799,000 | 101,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 522,495,000 | 524,033,000 | 529,876,000 | 526,126,000 |
| Interest-bearing deposits | 498,896,000 | 496,437,000 | 497,579,000 | 495,834,000 |
| Noninterest-bearing deposits | 23,599,000 | 27,596,000 | 32,297,000 | 30,292,000 |
| Equity capital | 79,571,000 | 81,045,000 | 81,073,000 | 82,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,706,000 | 17,356,000 | 26,004,000 | 34,660,000 |
| Interest expense | 3,420,000 | 6,814,000 | 10,174,000 | 13,451,000 |
| Net interest income | 5,286,000 | 10,542,000 | 15,830,000 | 21,209,000 |
| Noninterest income | 493,000 | 1,105,000 | 1,705,000 | 2,286,000 |
| Noninterest expense | 3,850,000 | 8,187,000 | 12,154,000 | 16,199,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 810,000 |
| Pretax income | 1,672,000 | 3,057,000 | 4,885,000 | 6,760,000 |
| Income tax | 539,000 | 984,000 | 1,570,000 | 1,887,000 |
| Net income | 1,133,000 | 2,073,000 | 3,315,000 | 4,873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,485,000 | 82,627,000 | 82,534,000 | 85,251,000 |
| Total capital | 84,975,000 | 86,199,000 | 86,265,000 | 88,778,000 |
| Risk-weighted assets | 479,398,000 | 476,908,000 | 487,343,000 | 507,509,000 |