Call reports 2019
KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION — 2019
What KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 96,783,000 | 97,770,000 | 98,346,000 | 96,014,000 |
| Total loans | 86,793,000 | 87,125,000 | 87,999,000 | 85,926,000 |
| Allowance for loan losses | 495,000 | 507,000 | 513,000 | 534,000 |
| Securities available for sale | 3,154,000 | 2,755,000 | 2,593,000 | 2,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,449,000 | 72,419,000 | 69,721,000 | 69,769,000 |
| Interest-bearing deposits | 59,895,000 | 67,055,000 | 64,230,000 | 64,081,000 |
| Noninterest-bearing deposits | 9,554,000 | 5,364,000 | 5,491,000 | 5,688,000 |
| Equity capital | 8,162,000 | 8,304,000 | 8,432,000 | 8,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,071,000 | 2,169,000 | 3,283,000 | 4,361,000 |
| Interest expense | 266,000 | 553,000 | 860,000 | 1,161,000 |
| Net interest income | 805,000 | 1,616,000 | 2,423,000 | 3,200,000 |
| Noninterest income | 89,000 | 245,000 | 414,000 | 613,000 |
| Noninterest expense | 814,000 | 1,606,000 | 2,418,000 | 3,268,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 51,000 |
| Pretax income | 68,000 | 231,000 | 384,000 | 496,000 |
| Income tax | 16,000 | 54,000 | 90,000 | 112,000 |
| Net income | 52,000 | 177,000 | 294,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,175,000 | 8,300,000 | 8,416,000 | 8,507,000 |
| Total capital | 8,670,000 | 8,807,000 | 8,929,000 | 9,041,000 |
| Risk-weighted assets | 58,816,000 | 58,496,000 | 59,115,000 | 58,869,000 |
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