Call reports 2005
KENNEBUNK SAVINGS BANK — 2005
What KENNEBUNK SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 655,535,000 | 672,193,000 | 680,483,000 | 669,233,000 |
| Total loans | 555,539,000 | 563,825,000 | 561,996,000 | 569,556,000 |
| Allowance for loan losses | 7,734,000 | 7,962,000 | 8,205,000 | 8,373,000 |
| Securities available for sale | 60,019,000 | 67,007,000 | 72,459,000 | 57,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,686,000 | 583,015,000 | 589,706,000 | 560,553,000 |
| Interest-bearing deposits | 488,612,000 | 519,965,000 | 521,602,000 | 504,491,000 |
| Noninterest-bearing deposits | 53,074,000 | 63,050,000 | 68,104,000 | 56,062,000 |
| Equity capital | 59,834,000 | 62,006,000 | 63,942,000 | 65,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,929,000 | 18,275,000 | 28,118,000 | 38,265,000 |
| Interest expense | 1,902,000 | 4,284,000 | 6,839,000 | 9,481,000 |
| Net interest income | 7,027,000 | 13,991,000 | 21,279,000 | 28,784,000 |
| Noninterest income | 1,664,000 | 3,422,000 | 5,598,000 | 7,291,000 |
| Noninterest expense | 5,627,000 | 11,313,000 | 17,167,000 | 24,389,000 |
| Provision for loan losses | 237,000 | 474,000 | 711,000 | 948,000 |
| Pretax income | 2,817,000 | 5,589,000 | 9,046,000 | 10,787,000 |
| Income tax | 836,000 | 1,704,000 | 2,817,000 | 3,278,000 |
| Net income | 1,981,000 | 3,885,000 | 6,229,000 | 7,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,047,000 | 58,997,000 | 61,116,000 | 62,189,000 |
| Total capital | 63,896,000 | 66,046,000 | 68,257,000 | 69,253,000 |
| Risk-weighted assets | 546,021,000 | 563,023,000 | 570,315,000 | 563,934,000 |