Call reports 2013
KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION — 2013
What KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 79,292,000 | 79,025,000 | 81,052,000 | 82,792,000 |
| Total loans | 66,861,000 | 69,592,000 | 71,861,000 | 73,548,000 |
| Allowance for loan losses | 307,000 | 297,000 | 299,000 | 334,000 |
| Securities available for sale | 26,000 | 22,000 | 22,000 | 33,000 |
| Securities held to maturity | 2,288,000 | 2,736,000 | 2,860,000 | 2,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,870,000 | 56,083,000 | 55,614,000 | 56,496,000 |
| Interest-bearing deposits | 51,086,000 | 51,237,000 | 49,922,000 | 51,220,000 |
| Noninterest-bearing deposits | 4,784,000 | 4,846,000 | 5,692,000 | 5,276,000 |
| Equity capital | 7,015,000 | 7,084,000 | 7,108,000 | 7,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 854,000 | 1,693,000 | 2,539,000 | 3,416,000 |
| Interest expense | 257,000 | 513,000 | 752,000 | 992,000 |
| Net interest income | 597,000 | 1,180,000 | 1,787,000 | 2,424,000 |
| Noninterest income | 369,000 | 616,000 | 793,000 | 986,000 |
| Noninterest expense | 777,000 | 1,505,000 | 2,255,000 | 2,935,000 |
| Provision for loan losses | 24,000 | 30,000 | 36,000 | 78,000 |
| Pretax income | 165,000 | 273,000 | 302,000 | 424,000 |
| Income tax | 57,000 | 91,000 | 97,000 | 144,000 |
| Net income | 108,000 | 182,000 | 205,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,968,000 | 7,028,000 | 7,108,000 | 7,191,000 |
| Total capital | 7,275,000 | 7,325,000 | 7,407,000 | 7,525,000 |
| Risk-weighted assets | 52,882,000 | 53,924,000 | 55,035,000 | 55,664,000 |
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