Call reports 2018
KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION — 2018
What KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 93,830,000 | 95,570,000 | 95,828,000 | 97,204,000 |
| Total loans | 84,273,000 | 84,397,000 | 86,158,000 | 86,718,000 |
| Allowance for loan losses | 512,000 | 521,000 | 490,000 | 496,000 |
| Securities available for sale | 3,350,000 | 3,700,000 | 3,556,000 | 3,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,127,000 | 70,790,000 | 69,378,000 | 71,774,000 |
| Interest-bearing deposits | 57,825,000 | 60,158,000 | 59,288,000 | 60,936,000 |
| Noninterest-bearing deposits | 11,302,000 | 10,632,000 | 10,090,000 | 10,838,000 |
| Equity capital | 7,817,000 | 7,881,000 | 7,970,000 | 8,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 975,000 | 1,988,000 | 3,052,000 | 4,119,000 |
| Interest expense | 192,000 | 398,000 | 626,000 | 879,000 |
| Net interest income | 783,000 | 1,590,000 | 2,426,000 | 3,240,000 |
| Noninterest income | 88,000 | 203,000 | 343,000 | 457,000 |
| Noninterest expense | 848,000 | 1,680,000 | 2,508,000 | 3,311,000 |
| Provision for loan losses | 7,000 | 16,000 | 27,000 | 42,000 |
| Pretax income | 16,000 | 99,000 | 236,000 | 348,000 |
| Income tax | 3,000 | 22,000 | 54,000 | 82,000 |
| Net income | 13,000 | 77,000 | 182,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,869,000 | 7,934,000 | 8,038,000 | 8,123,000 |
| Total capital | 8,381,000 | 8,455,000 | 8,528,000 | 8,619,000 |
| Risk-weighted assets | 58,494,000 | 58,694,000 | 59,458,000 | 59,365,000 |
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