Call reports 2025
KENNEBEC SAVINGS BANK — 2025
What KENNEBEC SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,759,715,000 | 1,790,373,000 | 1,800,102,000 | 1,822,337,000 |
| Total loans | 1,470,647,000 | 1,493,755,000 | 1,507,782,000 | 1,525,557,000 |
| Allowance for loan losses | 9,064,000 | 9,177,000 | 9,209,000 | 9,285,000 |
| Securities available for sale | 136,871,000 | 138,398,000 | 137,334,000 | 135,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,345,096,000 | 1,352,989,000 | 1,370,855,000 | 1,387,979,000 |
| Interest-bearing deposits | 1,225,903,000 | 1,223,510,000 | 1,236,541,000 | 1,261,229,000 |
| Noninterest-bearing deposits | 119,193,000 | 129,479,000 | 134,314,000 | 126,750,000 |
| Equity capital | 219,109,000 | 226,000,000 | 233,589,000 | 239,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,337,000 | 41,389,000 | 63,181,000 | 85,157,000 |
| Interest expense | 8,945,000 | 17,789,000 | 26,636,000 | 35,105,000 |
| Net interest income | 11,392,000 | 23,600,000 | 36,545,000 | 50,052,000 |
| Noninterest income | 1,485,000 | 3,206,000 | 4,945,000 | 6,885,000 |
| Noninterest expense | 10,081,000 | 20,474,000 | 31,050,000 | 42,477,000 |
| Provision for loan losses | 139,000 | 215,000 | 325,000 | 397,000 |
| Pretax income | 2,380,000 | 10,843,000 | 18,941,000 | 25,321,000 |
| Income tax | 453,000 | 2,215,000 | 3,908,000 | 5,039,000 |
| Net income | 1,927,000 | 8,628,000 | 15,033,000 | 20,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 228,132,000 | 234,836,000 | 241,243,000 | 246,496,000 |
| Total capital | 237,673,000 | 244,542,000 | 250,915,000 | 256,315,000 |
| Risk-weighted assets | 1,350,825,000 | 1,383,008,000 | 1,400,532,000 | 1,418,070,000 |