Call reports 2010
KENNEBUNK SAVINGS BANK — 2010
What KENNEBUNK SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 797,859,000 | 800,698,000 | 814,696,000 | 795,394,000 |
| Total loans | 653,732,000 | 652,555,000 | 634,321,000 | 630,023,000 |
| Allowance for loan losses | 11,860,000 | 11,599,000 | 10,694,000 | 10,518,000 |
| Securities available for sale | 83,769,000 | 77,810,000 | 89,221,000 | 84,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 626,933,000 | 630,741,000 | 659,197,000 | 641,697,000 |
| Interest-bearing deposits | 510,487,000 | 503,889,000 | 514,064,000 | 502,623,000 |
| Noninterest-bearing deposits | 116,446,000 | 126,852,000 | 145,133,000 | 139,074,000 |
| Equity capital | 74,916,000 | 75,638,000 | 76,655,000 | 78,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 9,888,000 | 19,745,000 | 29,524,000 | 39,080,000 |
| Interest expense | 1,742,000 | 3,395,000 | 4,966,000 | 6,468,000 |
| Net interest income | 8,146,000 | 16,350,000 | 24,558,000 | 32,612,000 |
| Noninterest income | 1,975,000 | 3,919,000 | 6,100,000 | 9,475,000 |
| Noninterest expense | 7,447,000 | 15,215,000 | 23,107,000 | 31,558,000 |
| Provision for loan losses | 1,000,000 | 2,000,000 | 3,000,000 | 3,333,000 |
| Pretax income | 1,714,000 | 3,105,000 | 4,615,000 | 7,260,000 |
| Income tax | 533,000 | 951,000 | 1,406,000 | 2,204,000 |
| Net income | 1,181,000 | 2,154,000 | 3,209,000 | 5,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,092,000 | 74,126,000 | 75,622,000 | 79,421,000 |
| Total capital | 81,161,000 | 82,254,000 | 83,539,000 | 87,298,000 |
| Risk-weighted assets | 641,354,000 | 646,468,000 | 630,276,000 | 627,202,000 |