Call reports 2012
KENNEBUNK SAVINGS BANK — 2012
What KENNEBUNK SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 831,805,000 | 836,538,000 | 846,408,000 | 856,428,000 |
| Total loans | 695,329,000 | 701,383,000 | 710,306,000 | 715,520,000 |
| Allowance for loan losses | 10,167,000 | 9,856,000 | 10,018,000 | 8,470,000 |
| Securities available for sale | 75,434,000 | 74,288,000 | 70,589,000 | 68,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 670,725,000 | 678,555,000 | 723,510,000 | 714,760,000 |
| Interest-bearing deposits | 501,391,000 | 500,650,000 | 520,243,000 | 517,097,000 |
| Noninterest-bearing deposits | 169,334,000 | 177,905,000 | 203,267,000 | 197,663,000 |
| Equity capital | 83,552,000 | 85,522,000 | 88,562,000 | 90,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,304,000 | 18,871,000 | 28,317,000 | 37,647,000 |
| Interest expense | 1,191,000 | 2,216,000 | 2,859,000 | 3,485,000 |
| Net interest income | 8,113,000 | 16,655,000 | 25,458,000 | 34,162,000 |
| Noninterest income | 2,092,000 | 4,321,000 | 6,708,000 | 9,231,000 |
| Noninterest expense | 8,121,000 | 16,394,000 | 24,286,000 | 33,787,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | -600,000 |
| Pretax income | 1,934,000 | 4,432,000 | 7,730,000 | 10,172,000 |
| Income tax | 634,000 | 1,470,000 | 2,431,000 | 2,906,000 |
| Net income | 1,300,000 | 2,962,000 | 5,299,000 | 7,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,923,000 | 88,296,000 | 91,451,000 | 93,735,000 |
| Total capital | 94,520,000 | 96,898,000 | 100,125,000 | 102,365,000 |
| Risk-weighted assets | 685,865,000 | 686,554,000 | 692,223,000 | 690,284,000 |