Call reports 2013
KENNEBEC SAVINGS BANK — 2013
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 789,811,000 | 784,044,000 | 799,019,000 | 800,516,000 |
| Total loans | 630,668,000 | 639,382,000 | 641,402,000 | 642,997,000 |
| Allowance for loan losses | 3,846,000 | 3,907,000 | 3,897,000 | 4,008,000 |
| Securities available for sale | 93,632,000 | 86,979,000 | 99,607,000 | 100,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 548,182,000 | 541,821,000 | 539,690,000 | 544,303,000 |
| Interest-bearing deposits | 511,776,000 | 506,668,000 | 501,135,000 | 509,578,000 |
| Noninterest-bearing deposits | 36,406,000 | 35,153,000 | 38,555,000 | 34,725,000 |
| Equity capital | 90,882,000 | 91,247,000 | 93,178,000 | 99,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,780,000 | 15,553,000 | 23,416,000 | 31,196,000 |
| Interest expense | 2,541,000 | 4,929,000 | 7,239,000 | 9,495,000 |
| Net interest income | 5,239,000 | 10,624,000 | 16,177,000 | 21,701,000 |
| Noninterest income | 788,000 | 1,770,000 | 2,621,000 | 3,395,000 |
| Noninterest expense | 4,998,000 | 9,718,000 | 14,799,000 | 19,148,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 660,000 |
| Pretax income | 1,705,000 | 3,805,000 | 5,149,000 | 7,277,000 |
| Income tax | 528,000 | 1,179,000 | 1,352,000 | 2,203,000 |
| Net income | 1,177,000 | 2,626,000 | 3,797,000 | 5,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,913,000 | 93,361,000 | 94,533,000 | 95,810,000 |
| Total capital | 95,759,000 | 97,268,000 | 98,430,000 | 99,818,000 |
| Risk-weighted assets | 500,987,000 | 514,749,000 | 519,748,000 | 521,391,000 |