Call reports 2019
KENNEBEC SAVINGS BANK — 2019
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,080,336,000 | 1,102,519,000 | 1,122,810,000 | 1,161,141,000 |
| Total loans | 894,804,000 | 926,304,000 | 944,970,000 | 979,131,000 |
| Allowance for loan losses | 5,290,000 | 5,491,000 | 5,545,000 | 5,762,000 |
| Securities available for sale | 138,101,000 | 138,058,000 | 138,287,000 | 87,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 760,110,000 | 776,575,000 | 784,947,000 | 789,013,000 |
| Interest-bearing deposits | 701,908,000 | 715,259,000 | 714,055,000 | 723,700,000 |
| Noninterest-bearing deposits | 58,202,000 | 61,316,000 | 70,892,000 | 65,313,000 |
| Equity capital | 141,780,000 | 146,701,000 | 150,670,000 | 153,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,067,000 | 22,518,000 | 34,280,000 | 46,234,000 |
| Interest expense | 2,832,000 | 5,780,000 | 8,864,000 | 11,831,000 |
| Net interest income | 8,235,000 | 16,738,000 | 25,416,000 | 34,403,000 |
| Noninterest income | 1,044,000 | 2,080,000 | 3,121,000 | 4,334,000 |
| Noninterest expense | 6,224,000 | 12,381,000 | 18,545,000 | 26,067,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 3,286,000 | 6,919,000 | 10,470,000 | 22,351,000 |
| Income tax | 648,000 | 1,389,000 | 2,120,000 | 4,636,000 |
| Net income | 2,638,000 | 5,530,000 | 8,350,000 | 17,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,432,000 | 138,325,000 | 141,144,000 | 153,201,000 |
| Total capital | 144,359,000 | 148,080,000 | 151,440,000 | 159,097,000 |
| Risk-weighted assets | 806,948,000 | 840,536,000 | 865,215,000 | 922,663,000 |