Call reports 2020
KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION — 2020
What KENNEBEC FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 94,512,000 | 95,267,000 | 92,511,000 | 86,622,000 |
| Total loans | 82,934,000 | 81,487,000 | 80,740,000 | 75,049,000 |
| Allowance for loan losses | 499,000 | 521,000 | 518,000 | 521,000 |
| Securities available for sale | 2,844,000 | 3,214,000 | 2,748,000 | 2,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,086,000 | 74,476,000 | 72,186,000 | 69,360,000 |
| Interest-bearing deposits | 65,528,000 | 67,269,000 | 65,857,000 | 62,618,000 |
| Noninterest-bearing deposits | 5,558,000 | 7,207,000 | 6,329,000 | 6,742,000 |
| Equity capital | 8,576,000 | 8,699,000 | 8,839,000 | 9,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,045,000 | 2,031,000 | 2,985,000 | 3,893,000 |
| Interest expense | 285,000 | 522,000 | 701,000 | 828,000 |
| Net interest income | 760,000 | 1,509,000 | 2,284,000 | 3,065,000 |
| Noninterest income | 164,000 | 366,000 | 668,000 | 1,179,000 |
| Noninterest expense | 860,000 | 1,686,000 | 2,568,000 | 3,562,000 |
| Provision for loan losses | 26,000 | 37,000 | 41,000 | 43,000 |
| Pretax income | 38,000 | 152,000 | 343,000 | 639,000 |
| Income tax | 9,000 | 35,000 | 79,000 | 145,000 |
| Net income | 29,000 | 117,000 | 264,000 | 494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,536,000 | 8,624,000 | 8,770,000 | 9,002,000 |
| Total capital | 9,035,000 | 9,145,000 | 9,288,000 | 9,523,000 |
| Risk-weighted assets | 56,582,000 | 55,786,000 | 54,297,000 | 50,758,000 |
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