Call reports 2012
KENNEBEC SAVINGS BANK — 2012
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 796,792,000 | 797,233,000 | 795,279,000 | 803,469,000 |
| Total loans | 627,913,000 | 631,407,000 | 631,217,000 | 631,913,000 |
| Allowance for loan losses | 3,345,000 | 3,369,000 | 3,507,000 | 3,717,000 |
| Securities available for sale | 107,393,000 | 114,479,000 | 102,410,000 | 98,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 535,373,000 | 529,865,000 | 538,789,000 | 546,098,000 |
| Interest-bearing deposits | 506,815,000 | 500,523,000 | 503,387,000 | 507,370,000 |
| Noninterest-bearing deposits | 28,558,000 | 29,342,000 | 35,402,000 | 38,728,000 |
| Equity capital | 84,879,000 | 85,985,000 | 88,150,000 | 88,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,449,000 | 16,733,000 | 24,940,000 | 32,999,000 |
| Interest expense | 3,112,000 | 6,161,000 | 9,182,000 | 12,098,000 |
| Net interest income | 5,337,000 | 10,572,000 | 15,758,000 | 20,901,000 |
| Noninterest income | 755,000 | 1,652,000 | 2,467,000 | 3,202,000 |
| Noninterest expense | 4,141,000 | 8,268,000 | 12,473,000 | 16,809,000 |
| Provision for loan losses | 126,000 | 252,000 | 408,000 | 689,000 |
| Pretax income | 1,978,000 | 4,068,000 | 5,795,000 | 7,098,000 |
| Income tax | 632,000 | 1,298,000 | 1,852,000 | 2,046,000 |
| Net income | 1,346,000 | 2,770,000 | 3,943,000 | 5,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,031,000 | 88,381,000 | 89,626,000 | 90,736,000 |
| Total capital | 90,376,000 | 91,750,000 | 93,133,000 | 94,453,000 |
| Risk-weighted assets | 504,008,000 | 501,106,000 | 500,001,000 | 502,683,000 |