Call reports 2020
KENNEBEC SAVINGS BANK — 2020
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,154,570,000 | 1,221,216,000 | 1,252,118,000 | 1,241,419,000 |
| Total loans | 987,431,000 | 1,049,277,000 | 1,068,818,000 | 1,047,131,000 |
| Allowance for loan losses | 6,228,000 | 6,925,000 | 6,813,000 | 7,089,000 |
| Securities available for sale | 83,672,000 | 83,048,000 | 89,383,000 | 90,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 816,742,000 | 912,226,000 | 916,590,000 | 993,617,000 |
| Interest-bearing deposits | 748,498,000 | 818,926,000 | 822,147,000 | 906,528,000 |
| Noninterest-bearing deposits | 68,244,000 | 93,300,000 | 94,443,000 | 87,089,000 |
| Equity capital | 147,194,000 | 155,685,000 | 161,710,000 | 170,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 12,012,000 | 23,826,000 | 35,615,000 | 48,040,000 |
| Interest expense | 2,843,000 | 4,767,000 | 6,438,000 | 7,892,000 |
| Net interest income | 9,169,000 | 19,059,000 | 29,177,000 | 40,148,000 |
| Noninterest income | 1,090,000 | 2,183,000 | 3,315,000 | 3,426,000 |
| Noninterest expense | 6,318,000 | 12,977,000 | 19,624,000 | 27,486,000 |
| Provision for loan losses | 430,000 | 1,130,000 | 1,880,000 | 2,030,000 |
| Pretax income | -9,468,000 | 1,471,000 | 9,020,000 | 19,577,000 |
| Income tax | -2,031,000 | 244,000 | 1,825,000 | 4,097,000 |
| Net income | -7,437,000 | 1,227,000 | 7,195,000 | 15,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,763,000 | 154,428,000 | 160,397,000 | 168,681,000 |