Call reports 2018
KENNEBEC SAVINGS BANK — 2018
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 983,499,000 | 1,015,802,000 | 1,052,428,000 | 1,067,203,000 |
| Total loans | 800,281,000 | 835,620,000 | 869,820,000 | 885,570,000 |
| Allowance for loan losses | 4,636,000 | 4,756,000 | 4,928,000 | 5,150,000 |
| Securities available for sale | 123,061,000 | 126,522,000 | 134,607,000 | 131,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 651,040,000 | 686,157,000 | 730,058,000 | 746,918,000 |
| Interest-bearing deposits | 597,139,000 | 627,138,000 | 674,430,000 | 691,115,000 |
| Noninterest-bearing deposits | 53,901,000 | 59,019,000 | 55,628,000 | 55,803,000 |
| Equity capital | 129,093,000 | 131,428,000 | 135,716,000 | 134,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 9,353,000 | 19,173,000 | 29,623,000 | 40,580,000 |
| Interest expense | 1,694,000 | 3,783,000 | 6,259,000 | 8,947,000 |
| Net interest income | 7,659,000 | 15,390,000 | 23,364,000 | 31,633,000 |
| Noninterest income | 1,036,000 | 2,152,000 | 3,481,000 | 4,655,000 |
| Noninterest expense | 5,676,000 | 11,551,000 | 17,715,000 | 24,665,000 |
| Provision for loan losses | 120,000 | 240,000 | 480,000 | 720,000 |
| Pretax income | 3,414,000 | 6,266,000 | 9,165,000 | 12,470,000 |
| Income tax | 653,000 | 1,218,000 | 1,672,000 | 2,265,000 |
| Net income | 2,761,000 | 5,048,000 | 7,493,000 | 10,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,351,000 | 127,638,000 | 130,082,000 | 132,795,000 |
| Total capital | 133,158,000 | 135,732,000 | 139,656,000 | 139,629,000 |
| Risk-weighted assets | 733,329,000 | 766,618,000 | 795,057,000 | 795,157,000 |