Call reports 2009
KENNEBUNK SAVINGS BANK — 2009
What KENNEBUNK SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 822,541,000 | 792,894,000 | 821,698,000 | 795,348,000 |
| Total loans | 661,133,000 | 644,656,000 | 633,381,000 | 642,269,000 |
| Allowance for loan losses | 12,483,000 | 13,974,000 | 12,261,000 | 11,093,000 |
| Securities available for sale | 93,710,000 | 79,819,000 | 104,099,000 | 90,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 672,950,000 | 640,947,000 | 670,668,000 | 643,617,000 |
| Interest-bearing deposits | 570,297,000 | 529,634,000 | 542,592,000 | 518,814,000 |
| Noninterest-bearing deposits | 102,653,000 | 111,313,000 | 128,076,000 | 124,803,000 |
| Equity capital | 69,340,000 | 70,909,000 | 72,552,000 | 73,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,940,000 | 21,616,000 | 31,997,000 | 42,253,000 |
| Interest expense | 3,480,000 | 6,185,000 | 8,276,000 | 10,169,000 |
| Net interest income | 7,460,000 | 15,431,000 | 23,721,000 | 32,084,000 |
| Noninterest income | 2,096,000 | 4,519,000 | 6,636,000 | 8,423,000 |
| Noninterest expense | 8,063,000 | 15,377,000 | 22,863,000 | 30,383,000 |
| Provision for loan losses | 607,000 | 2,502,000 | 3,927,000 | 5,352,000 |
| Pretax income | 897,000 | 2,082,000 | 3,578,000 | 4,783,000 |
| Income tax | 220,000 | 544,000 | 978,000 | 1,318,000 |
| Net income | 677,000 | 1,538,000 | 2,600,000 | 3,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,694,000 | 74,250,000 | 75,680,000 | 75,102,000 |
| Total capital | 81,149,000 | 82,536,000 | 83,814,000 | 83,286,000 |
| Risk-weighted assets | 671,574,000 | 656,855,000 | 646,299,000 | 651,370,000 |