Call reports 2023
KENNEBEC SAVINGS BANK — 2023
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,665,050,000 | 1,670,135,000 | 1,672,541,000 | 1,710,496,000 |
| Total loans | 1,405,330,000 | 1,413,161,000 | 1,427,049,000 | 1,443,037,000 |
| Allowance for loan losses | 8,474,000 | 8,385,000 | 8,783,000 | 8,974,000 |
| Securities available for sale | 137,636,000 | 135,234,000 | 126,003,000 | 135,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,329,955,000 | 1,316,659,000 | 1,315,387,000 | 1,305,375,000 |
| Interest-bearing deposits | 1,190,874,000 | 1,171,715,000 | 1,184,339,000 | 1,177,838,000 |
| Noninterest-bearing deposits | 139,081,000 | 144,944,000 | 131,048,000 | 127,537,000 |
| Equity capital | 200,040,000 | 202,487,000 | 196,829,000 | 207,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 16,536,000 | 33,829,000 | 52,013,000 | 71,008,000 |
| Interest expense | 5,825,000 | 12,910,000 | 20,941,000 | 29,829,000 |
| Net interest income | 10,711,000 | 20,919,000 | 31,072,000 | 41,179,000 |
| Noninterest income | 1,212,000 | 2,461,000 | 3,732,000 | 4,998,000 |
| Noninterest expense | 9,314,000 | 18,827,000 | 27,990,000 | 37,779,000 |
| Provision for loan losses | 555,000 | 480,000 | 849,000 | 1,051,000 |
| Pretax income | 3,379,000 | 7,397,000 | 5,806,000 | 13,405,000 |
| Income tax | 665,000 | 1,474,000 | 1,059,000 | 2,472,000 |
| Net income | 2,714,000 | 5,923,000 | 4,747,000 | 10,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 207,509,000 | 210,719,000 | 209,542,000 | 215,728,000 |
| Total capital | — | 219,947,000 | 218,886,000 | 225,090,000 |
| Risk-weighted assets | — | 1,283,330,000 | 1,359,389,000 | 1,305,806,000 |