Call reports 2003
KENNEBUNK SAVINGS BANK — 2003
What KENNEBUNK SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 510,921,000 | 562,771,000 | 578,620,000 | 580,722,000 |
| Total loans | 411,730,000 | 419,558,000 | 447,797,000 | 460,811,000 |
| Allowance for loan losses | 6,400,000 | 6,586,000 | 6,763,000 | 6,926,000 |
| Securities available for sale | 54,225,000 | 107,124,000 | 95,790,000 | 88,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,538,000 | 469,287,000 | 499,936,000 | 489,274,000 |
| Interest-bearing deposits | 412,546,000 | 419,384,000 | 443,020,000 | 441,887,000 |
| Noninterest-bearing deposits | 40,992,000 | 49,903,000 | 56,916,000 | 47,387,000 |
| Equity capital | 44,686,000 | 47,846,000 | 49,997,000 | 51,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,309,000 | 15,162,000 | 23,035,000 | 30,870,000 |
| Interest expense | 1,758,000 | 3,462,000 | 5,026,000 | 6,577,000 |
| Net interest income | 5,551,000 | 11,700,000 | 18,009,000 | 24,293,000 |
| Noninterest income | 1,000,000 | 2,480,000 | 4,816,000 | 6,431,000 |
| Noninterest expense | 4,353,000 | 9,290,000 | 14,609,000 | 20,373,000 |
| Provision for loan losses | 185,000 | 370,000 | 555,000 | 740,000 |
| Pretax income | 2,008,000 | 4,624,000 | 7,763,000 | 9,739,000 |
| Income tax | 1,015,000 | 2,161,000 | 2,400,000 | 3,105,000 |
| Net income | 993,000 | 2,463,000 | 5,363,000 | 6,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,290,000 | 43,117,000 | 46,011,000 | 47,922,000 |
| Total capital | 46,096,000 | 48,303,000 | 51,337,000 | 53,432,000 |
| Risk-weighted assets | 382,901,000 | 413,460,000 | 424,645,000 | 438,223,000 |