Call reports 2017
KENNEBEC SAVINGS BANK — 2017
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 885,615,000 | 907,758,000 | 931,928,000 | 952,461,000 |
| Total loans | 727,564,000 | 744,235,000 | 766,975,000 | 779,611,000 |
| Allowance for loan losses | 4,312,000 | 4,415,000 | 4,537,000 | 4,569,000 |
| Securities available for sale | 110,658,000 | 119,393,000 | 120,906,000 | 125,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 558,258,000 | 600,014,000 | 610,492,000 | 640,528,000 |
| Interest-bearing deposits | 509,686,000 | 553,412,000 | 561,077,000 | 590,783,000 |
| Noninterest-bearing deposits | 48,572,000 | 46,602,000 | 49,415,000 | 49,745,000 |
| Equity capital | 118,881,000 | 121,515,000 | 125,957,000 | 128,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,262,000 | 16,890,000 | 25,831,000 | 35,074,000 |
| Interest expense | 1,187,000 | 2,459,000 | 3,853,000 | 5,351,000 |
| Net interest income | 7,075,000 | 14,431,000 | 21,978,000 | 29,723,000 |
| Noninterest income | 894,000 | 1,948,000 | 2,980,000 | 3,972,000 |
| Noninterest expense | 5,412,000 | 10,677,000 | 19,475,000 | 25,684,000 |
| Provision for loan losses | 75,000 | 175,000 | 325,000 | 475,000 |
| Pretax income | 6,637,000 | 9,825,000 | 9,569,000 | 11,946,000 |
| Income tax | 2,239,000 | 3,235,000 | 2,994,000 | 3,670,000 |
| Net income | 4,398,000 | 6,590,000 | 6,575,000 | 8,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,696,000 | 121,887,000 | 121,872,000 | 122,590,000 |
| Total capital | 126,037,000 | 128,543,000 | 129,511,000 | 131,126,000 |
| Risk-weighted assets | 653,554,000 | 691,970,000 | 704,657,000 | 728,232,000 |