Call reports 2016
KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION — 2016
What KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 89,433,000 | 89,480,000 | 91,183,000 | 90,929,000 |
| Total loans | 79,164,000 | 79,630,000 | 80,992,000 | 83,698,000 |
| Allowance for loan losses | 462,000 | 451,000 | 473,000 | 488,000 |
| Securities available for sale | 2,530,000 | 2,420,000 | 2,298,000 | 2,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,579,000 | 60,915,000 | 63,907,000 | 62,652,000 |
| Interest-bearing deposits | 54,980,000 | 54,095,000 | 55,291,000 | 56,083,000 |
| Noninterest-bearing deposits | 6,599,000 | 6,820,000 | 8,616,000 | 6,569,000 |
| Equity capital | 7,405,000 | 7,461,000 | 7,531,000 | 7,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,828,000 | 2,769,000 | 3,724,000 |
| Interest expense | 194,000 | 391,000 | 586,000 | 780,000 |
| Net interest income | 723,000 | 1,437,000 | 2,183,000 | 2,944,000 |
| Noninterest income | 133,000 | 289,000 | 468,000 | 593,000 |
| Noninterest expense | 798,000 | 1,573,000 | 2,374,000 | 3,150,000 |
| Provision for loan losses | 15,000 | 30,000 | 52,000 | 68,000 |
| Pretax income | 45,000 | 127,000 | 229,000 | 328,000 |
| Income tax | 15,000 | 42,000 | 74,000 | 117,000 |
| Net income | 30,000 | 85,000 | 155,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,405,000 | 7,462,000 | 7,532,000 | 7,575,000 |
| Total capital | 7,867,000 | 7,913,000 | 8,005,000 | 8,063,000 |
| Risk-weighted assets | 57,941,000 | 58,199,000 | 58,259,000 | 58,821,000 |
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