Call reports 2012
KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION — 2012
What KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 76,558,000 | 76,057,000 | 78,528,000 | 79,680,000 |
| Total loans | 63,164,000 | 64,596,000 | 67,943,000 | 69,404,000 |
| Allowance for loan losses | 221,000 | 242,000 | 249,000 | 284,000 |
| Securities available for sale | 49,000 | 14,000 | 13,000 | 14,000 |
| Securities held to maturity | 2,547,000 | 2,429,000 | 2,312,000 | 2,303,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,018,000 | 52,710,000 | 55,043,000 | 55,149,000 |
| Interest-bearing deposits | 46,520,000 | 47,558,000 | 50,060,000 | 49,934,000 |
| Noninterest-bearing deposits | 5,498,000 | 5,152,000 | 4,983,000 | 5,215,000 |
| Equity capital | 6,668,000 | 6,747,000 | 6,826,000 | 6,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 888,000 | 1,772,000 | 2,646,000 | 3,546,000 |
| Interest expense | 288,000 | 562,000 | 831,000 | 1,105,000 |
| Net interest income | 600,000 | 1,210,000 | 1,815,000 | 2,441,000 |
| Noninterest income | 354,000 | 614,000 | 927,000 | 1,325,000 |
| Noninterest expense | 687,000 | 1,403,000 | 2,173,000 | 2,975,000 |
| Provision for loan losses | 44,000 | 81,000 | 110,000 | 161,000 |
| Pretax income | 223,000 | 340,000 | 459,000 | 630,000 |
| Income tax | 77,000 | 113,000 | 153,000 | 252,000 |
| Net income | 146,000 | 227,000 | 306,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,635,000 | 6,715,000 | 6,794,000 | 6,848,000 |
| Total capital | 6,856,000 | 6,957,000 | 7,043,000 | 7,132,000 |
| Risk-weighted assets | 50,424,000 | 50,625,000 | 51,658,000 | 55,278,000 |
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