Call reports 2016
KENNEBEC SAVINGS BANK — 2016
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 830,817,000 | 842,487,000 | 854,324,000 | 863,954,000 |
| Total loans | 666,790,000 | 686,121,000 | 696,759,000 | 708,884,000 |
| Allowance for loan losses | 4,314,000 | 4,303,000 | 4,200,000 | 4,260,000 |
| Securities available for sale | 112,510,000 | 109,878,000 | 109,243,000 | 111,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 532,617,000 | 533,749,000 | 541,911,000 | 553,065,000 |
| Interest-bearing deposits | 488,687,000 | 483,277,000 | 489,920,000 | 498,646,000 |
| Noninterest-bearing deposits | 43,930,000 | 50,472,000 | 51,991,000 | 54,419,000 |
| Equity capital | 110,628,000 | 113,180,000 | 115,087,000 | 116,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,719,000 | 15,635,000 | 23,663,000 | 31,956,000 |
| Interest expense | 1,404,000 | 2,718,000 | 3,968,000 | 5,196,000 |
| Net interest income | 6,315,000 | 12,917,000 | 19,695,000 | 26,760,000 |
| Noninterest income | 827,000 | 1,740,000 | 2,737,000 | 3,786,000 |
| Noninterest expense | 5,083,000 | 10,396,000 | 16,183,000 | 21,748,000 |
| Provision for loan losses | 0 | 0 | 0 | 155,000 |
| Pretax income | 2,317,000 | 4,860,000 | 7,731,000 | 10,429,000 |
| Income tax | 725,000 | 1,519,000 | 2,427,000 | 3,191,000 |
| Net income | 1,592,000 | 3,341,000 | 5,304,000 | 7,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,651,000 | 111,399,000 | 113,362,000 | 115,298,000 |
| Total capital | 116,637,000 | 118,781,000 | 120,402,000 | 122,803,000 |
| Risk-weighted assets | 625,686,000 | 634,679,000 | 643,213,000 | 655,519,000 |