Call reports 2014
KENNEBEC SAVINGS BANK — 2014
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 791,913,000 | 784,107,000 | 789,834,000 | 805,402,000 |
| Total loans | 635,375,000 | 635,922,000 | 639,698,000 | 640,988,000 |
| Allowance for loan losses | 4,139,000 | 4,067,000 | 4,204,000 | 4,227,000 |
| Securities available for sale | 96,272,000 | 97,039,000 | 102,978,000 | 105,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 550,977,000 | 533,015,000 | 527,419,000 | 527,066,000 |
| Interest-bearing deposits | 503,290,000 | 495,585,000 | 487,417,000 | 485,623,000 |
| Noninterest-bearing deposits | 47,687,000 | 37,430,000 | 40,002,000 | 41,443,000 |
| Equity capital | 100,135,000 | 102,882,000 | 103,686,000 | 103,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,663,000 | 15,357,000 | 23,052,000 | 30,888,000 |
| Interest expense | 2,121,000 | 4,191,000 | 6,103,000 | 7,963,000 |
| Net interest income | 5,542,000 | 11,166,000 | 16,949,000 | 22,925,000 |
| Noninterest income | 1,289,000 | 2,213,000 | 3,095,000 | 4,061,000 |
| Noninterest expense | 5,975,000 | 10,508,000 | 14,950,000 | 19,880,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 992,000 | 3,225,000 | 5,524,000 | 7,930,000 |
| Income tax | -365,000 | 308,000 | 1,061,000 | 1,762,000 |
| Net income | 1,357,000 | 2,917,000 | 4,463,000 | 6,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,167,000 | 98,727,000 | 100,026,000 | 101,731,000 |
| Total capital | 101,306,000 | 102,794,000 | 104,230,000 | 105,958,000 |
| Risk-weighted assets | 509,651,000 | 512,345,000 | 518,647,000 | 519,658,000 |