Call reports 2004
KENNEBUNK SAVINGS BANK — 2004
What KENNEBUNK SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 595,314,000 | 613,818,000 | 656,321,000 | 634,731,000 |
| Total loans | 484,555,000 | 509,236,000 | 517,015,000 | 537,822,000 |
| Allowance for loan losses | 7,038,000 | 7,230,000 | 7,416,000 | 7,611,000 |
| Securities available for sale | 78,456,000 | 70,310,000 | 58,098,000 | 62,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,862,000 | 533,200,000 | 576,588,000 | 545,630,000 |
| Interest-bearing deposits | 435,582,000 | 476,648,000 | 505,383,000 | 491,422,000 |
| Noninterest-bearing deposits | 49,280,000 | 56,552,000 | 71,205,000 | 54,208,000 |
| Equity capital | 53,778,000 | 54,402,000 | 56,902,000 | 58,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,775,000 | 15,694,000 | 24,040,000 | 32,767,000 |
| Interest expense | 1,563,000 | 3,216,000 | 4,935,000 | 6,819,000 |
| Net interest income | 6,212,000 | 12,478,000 | 19,105,000 | 25,948,000 |
| Noninterest income | 1,516,000 | 3,225,000 | 5,274,000 | 6,779,000 |
| Noninterest expense | 4,989,000 | 10,242,000 | 16,044,000 | 21,893,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 2,546,000 | 5,124,000 | 7,832,000 | 10,270,000 |
| Income tax | 759,000 | 1,541,000 | 2,391,000 | 3,269,000 |
| Net income | 1,787,000 | 3,583,000 | 5,441,000 | 7,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,710,000 | 51,524,000 | 53,415,000 | 55,013,000 |
| Total capital | 55,843,000 | 57,878,000 | 59,884,000 | 61,668,000 |
| Risk-weighted assets | 485,500,000 | 501,750,000 | 513,651,000 | 529,894,000 |