Call reports 2022
KENNEBEC SAVINGS BANK — 2022
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,471,217,000 | 1,531,749,000 | 1,589,541,000 | 1,640,422,000 |
| Total loans | 1,226,087,000 | 1,281,527,000 | 1,342,538,000 | 1,382,026,000 |
| Allowance for loan losses | 7,659,000 | 7,960,000 | 8,599,000 | 8,965,000 |
| Securities available for sale | 112,296,000 | 135,095,000 | 133,170,000 | 137,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,215,413,000 | 1,250,686,000 | 1,347,109,000 | 1,346,856,000 |
| Interest-bearing deposits | 1,080,258,000 | 1,112,042,000 | 1,187,550,000 | 1,203,337,000 |
| Noninterest-bearing deposits | 135,155,000 | 138,644,000 | 159,559,000 | 143,519,000 |
| Equity capital | 198,845,000 | 191,374,000 | 185,467,000 | 195,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 12,281,000 | 25,183,000 | 39,739,000 | 55,569,000 |
| Interest expense | 856,000 | 2,043,000 | 4,318,000 | 7,751,000 |
| Net interest income | 11,425,000 | 23,140,000 | 35,421,000 | 47,818,000 |
| Noninterest income | 1,178,000 | 2,615,000 | 4,350,000 | 5,105,000 |
| Noninterest expense | 8,105,000 | 16,696,000 | 25,264,000 | 34,403,000 |
| Provision for loan losses | 150,000 | 450,000 | 950,000 | 1,350,000 |
| Pretax income | -1,000,000 | -5,961,000 | -5,682,000 | 5,054,000 |
| Income tax | -255,000 | -1,471,000 | -1,469,000 | 607,000 |
| Net income | -745,000 | -4,490,000 | -4,213,000 | 4,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 199,912,000 | 196,166,000 | 196,445,000 | 205,104,000 |