Call reports 2017
KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION — 2017
What KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 91,214,000 | 95,121,000 | 92,106,000 | 92,844,000 |
| Total loans | 84,120,000 | 83,214,000 | 82,928,000 | 83,371,000 |
| Allowance for loan losses | 494,000 | 503,000 | 512,000 | 521,000 |
| Securities available for sale | 2,581,000 | 2,957,000 | 3,368,000 | 3,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,974,000 | 67,937,000 | 66,031,000 | 65,583,000 |
| Interest-bearing deposits | 56,025,000 | 60,132,000 | 58,277,000 | 58,498,000 |
| Noninterest-bearing deposits | 6,949,000 | 7,805,000 | 7,754,000 | 7,085,000 |
| Equity capital | 7,589,000 | 7,687,000 | 7,778,000 | 7,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 943,000 | 1,923,000 | 2,904,000 | 3,884,000 |
| Interest expense | 193,000 | 383,000 | 572,000 | 765,000 |
| Net interest income | 750,000 | 1,540,000 | 2,332,000 | 3,119,000 |
| Noninterest income | 95,000 | 271,000 | 432,000 | 547,000 |
| Noninterest expense | 814,000 | 1,627,000 | 2,443,000 | 3,269,000 |
| Provision for loan losses | 6,000 | 15,000 | 24,000 | 33,000 |
| Pretax income | 24,000 | 172,000 | 300,000 | 372,000 |
| Income tax | 9,000 | 58,000 | 100,000 | 101,000 |
| Net income | 15,000 | 114,000 | 200,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,589,000 | 7,687,000 | 7,778,000 | 7,838,000 |
| Total capital | 8,083,000 | 8,190,000 | 8,290,000 | 8,359,000 |
| Risk-weighted assets | 59,350,000 | 59,445,000 | 59,810,000 | 59,796,000 |