Call reports 2006
KENNEBUNK SAVINGS BANK — 2006
What KENNEBUNK SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 673,927,000 | 711,001,000 | 716,298,000 | 688,699,000 |
| Total loans | 571,346,000 | 603,719,000 | 611,457,000 | 592,107,000 |
| Allowance for loan losses | 8,666,000 | 8,845,000 | 9,119,000 | 9,216,000 |
| Securities available for sale | 61,759,000 | 63,067,000 | 62,330,000 | 54,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 556,263,000 | 577,825,000 | 595,079,000 | 575,403,000 |
| Interest-bearing deposits | 503,019,000 | 515,649,000 | 521,716,000 | 506,305,000 |
| Noninterest-bearing deposits | 53,244,000 | 62,176,000 | 73,363,000 | 69,098,000 |
| Equity capital | 66,173,000 | 67,392,000 | 70,074,000 | 71,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,160,000 | 21,171,000 | 32,761,000 | 44,300,000 |
| Interest expense | 2,954,000 | 6,700,000 | 10,867,000 | 15,257,000 |
| Net interest income | 7,206,000 | 14,471,000 | 21,894,000 | 29,043,000 |
| Noninterest income | 1,529,000 | 3,321,000 | 5,685,000 | 7,783,000 |
| Noninterest expense | 6,067,000 | 12,348,000 | 19,109,000 | 26,339,000 |
| Provision for loan losses | 288,000 | 576,000 | 864,000 | 960,000 |
| Pretax income | 2,379,000 | 4,873,000 | 7,620,000 | 8,677,000 |
| Income tax | 755,000 | 1,449,000 | 2,172,000 | 2,449,000 |
| Net income | 1,624,000 | 3,424,000 | 5,448,000 | 6,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,844,000 | 65,352,000 | 67,441,000 | 68,634,000 |
| Total capital | 70,934,000 | 72,857,000 | 75,039,000 | 76,029,000 |
| Risk-weighted assets | 565,778,000 | 599,316,000 | 606,493,000 | 589,774,000 |