Call reports 2008
KENNEBUNK SAVINGS BANK — 2008
What KENNEBUNK SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 751,766,000 | 763,841,000 | 773,468,000 | 806,046,000 |
| Total loans | 638,921,000 | 653,301,000 | 659,303,000 | 661,209,000 |
| Allowance for loan losses | 9,660,000 | 9,544,000 | 6,647,000 | 12,000,000 |
| Securities available for sale | 57,531,000 | 51,984,000 | 45,109,000 | 46,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 594,551,000 | 586,803,000 | 621,998,000 | 659,059,000 |
| Interest-bearing deposits | 500,275,000 | 482,890,000 | 511,376,000 | 558,900,000 |
| Noninterest-bearing deposits | 94,276,000 | 103,913,000 | 110,622,000 | 100,159,000 |
| Equity capital | 76,126,000 | 76,284,000 | 73,967,000 | 68,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 11,691,000 | 23,691,000 | 35,298,000 | 46,798,000 |
| Interest expense | 4,004,000 | 7,490,000 | 11,140,000 | 15,435,000 |
| Net interest income | 7,687,000 | 16,201,000 | 24,158,000 | 31,363,000 |
| Noninterest income | 2,011,000 | 4,146,000 | 6,126,000 | 7,806,000 |
| Noninterest expense | 6,911,000 | 14,075,000 | 21,677,000 | 30,471,000 |
| Provision for loan losses | 125,000 | 250,000 | 375,000 | 5,971,000 |
| Pretax income | 2,662,000 | 6,015,000 | 8,225,000 | -4,524,000 |
| Income tax | 816,000 | 1,855,000 | 2,499,000 | -2,020,000 |
| Net income | 1,846,000 | 4,160,000 | 5,726,000 | -2,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,176,000 | 78,743,000 | 77,872,000 | 72,204,000 |
| Total capital | 84,239,000 | 87,022,000 | 84,519,000 | 80,655,000 |
| Risk-weighted assets | 643,449,000 | 661,069,000 | 671,182,000 | 672,568,000 |