Call reports 2021
KENNEBEC SAVINGS BANK — 2021
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,325,034,000 | 1,363,756,000 | 1,387,596,000 | 1,447,142,000 |
| Total loans | 1,115,941,000 | 1,133,430,000 | 1,157,189,000 | 1,203,225,000 |
| Allowance for loan losses | 7,225,000 | 7,225,000 | 7,388,000 | 7,521,000 |
| Securities available for sale | 88,938,000 | 103,531,000 | 107,509,000 | 111,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,060,755,000 | 1,121,109,000 | 1,154,184,000 | 1,201,941,000 |
| Interest-bearing deposits | 944,782,000 | 991,567,000 | 1,025,197,000 | 1,069,767,000 |
| Noninterest-bearing deposits | 115,973,000 | 129,542,000 | 128,987,000 | 132,174,000 |
| Equity capital | 184,790,000 | 191,504,000 | 193,695,000 | 202,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 11,773,000 | 23,612,000 | 35,892,000 | 48,328,000 |
| Interest expense | 1,068,000 | 1,967,000 | 2,931,000 | 3,869,000 |
| Net interest income | 10,705,000 | 21,645,000 | 32,961,000 | 44,459,000 |
| Noninterest income | 1,106,000 | 2,408,000 | 3,480,000 | 4,739,000 |
| Noninterest expense | 9,192,000 | 17,011,000 | 25,512,000 | 36,044,000 |
| Provision for loan losses | 150,000 | 150,000 | 50,000 | 150,000 |
| Pretax income | 6,272,000 | 15,025,000 | 18,348,000 | 28,350,000 |
| Income tax | 1,286,000 | 3,156,000 | 3,841,000 | 5,741,000 |
| Net income | 4,986,000 | 11,869,000 | 14,507,000 | 22,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 183,034,000 | 189,916,000 | 192,555,000 | 200,657,000 |