Call reports 2013
KENNEBUNK SAVINGS BANK — 2013
What KENNEBUNK SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 851,938,000 | 858,668,000 | 895,953,000 | 881,806,000 |
| Total loans | 719,242,000 | 724,593,000 | 732,490,000 | 742,189,000 |
| Allowance for loan losses | 8,445,000 | 8,218,000 | 8,819,000 | 7,631,000 |
| Securities available for sale | 70,293,000 | 66,281,000 | 64,749,000 | 69,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 714,768,000 | 719,352,000 | 765,553,000 | 744,327,000 |
| Interest-bearing deposits | 521,470,000 | 520,853,000 | 536,932,000 | 532,404,000 |
| Noninterest-bearing deposits | 193,298,000 | 198,499,000 | 228,621,000 | 211,923,000 |
| Equity capital | 92,513,000 | 92,994,000 | 94,877,000 | 99,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,902,000 | 17,875,000 | 26,933,000 | 35,958,000 |
| Interest expense | 616,000 | 1,233,000 | 1,835,000 | 2,405,000 |
| Net interest income | 8,286,000 | 16,642,000 | 25,098,000 | 33,553,000 |
| Noninterest income | 2,790,000 | 5,434,000 | 7,761,000 | 9,770,000 |
| Noninterest expense | 8,139,000 | 16,458,000 | 24,431,000 | 33,035,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,000,000 |
| Pretax income | 2,937,000 | 5,618,000 | 8,428,000 | 10,369,000 |
| Income tax | 944,000 | 1,546,000 | 2,219,000 | 2,669,000 |
| Net income | 1,993,000 | 4,072,000 | 6,209,000 | 7,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,920,000 | 97,888,000 | 99,950,000 | 101,355,000 |
| Total capital | 104,624,000 | 106,451,000 | 108,891,000 | 109,330,000 |
| Risk-weighted assets | 696,244,000 | 708,616,000 | 715,438,000 | 723,012,000 |