Call reports 2015
KENNEBEC SAVINGS BANK — 2015
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 805,518,000 | 790,513,000 | 799,905,000 | 814,358,000 |
| Total loans | 636,487,000 | 639,991,000 | 645,422,000 | 658,951,000 |
| Allowance for loan losses | 4,336,000 | 4,381,000 | 4,459,000 | 4,353,000 |
| Securities available for sale | 105,594,000 | 105,868,000 | 109,210,000 | 110,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 537,978,000 | 523,490,000 | 521,757,000 | 529,140,000 |
| Interest-bearing deposits | 489,152,000 | 480,449,000 | 475,635,000 | 484,794,000 |
| Noninterest-bearing deposits | 48,826,000 | 43,041,000 | 46,122,000 | 44,346,000 |
| Equity capital | 105,402,000 | 106,041,000 | 106,077,000 | 107,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,601,000 | 15,155,000 | 22,692,000 | 30,390,000 |
| Interest expense | 1,843,000 | 3,611,000 | 5,231,000 | 6,693,000 |
| Net interest income | 5,758,000 | 11,544,000 | 17,461,000 | 23,697,000 |
| Noninterest income | 839,000 | 1,818,000 | 2,623,000 | 3,631,000 |
| Noninterest expense | 4,664,000 | 9,392,000 | 14,160,000 | 19,068,000 |
| Provision for loan losses | 125,000 | 250,000 | 375,000 | 375,000 |
| Pretax income | 2,027,000 | 4,166,000 | 6,388,000 | 9,026,000 |
| Income tax | 635,000 | 1,296,000 | 1,985,000 | 2,697,000 |
| Net income | 1,392,000 | 2,870,000 | 4,403,000 | 6,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,123,000 | 104,600,000 | 106,133,000 | 108,058,000 |
| Total capital | 110,406,000 | 111,563,000 | 111,929,000 | 114,499,000 |
| Risk-weighted assets | 592,218,000 | 597,946,000 | 597,021,000 | 612,246,000 |