Call reports 2016
KENNEBUNK SAVINGS BANK — 2016
What KENNEBUNK SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,015,508,000 | 1,038,177,000 | 1,110,306,000 | 1,091,147,000 |
| Total loans | 811,854,000 | 834,529,000 | 833,231,000 | 868,900,000 |
| Allowance for loan losses | 6,977,000 | 7,063,000 | 7,232,000 | 7,354,000 |
| Securities available for sale | 96,736,000 | 103,844,000 | 126,990,000 | 134,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 894,441,000 | 913,134,000 | 983,473,000 | 967,474,000 |
| Interest-bearing deposits | 604,248,000 | 599,989,000 | 630,158,000 | 631,541,000 |
| Noninterest-bearing deposits | 290,193,000 | 313,145,000 | 353,315,000 | 335,933,000 |
| Equity capital | 111,422,000 | 113,776,000 | 115,443,000 | 114,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,504,000 | 19,559,000 | 29,445,000 | 39,477,000 |
| Interest expense | 378,000 | 760,000 | 1,147,000 | 1,550,000 |
| Net interest income | 9,126,000 | 18,799,000 | 28,298,000 | 37,927,000 |
| Noninterest income | 2,325,000 | 4,813,000 | 7,093,000 | 9,060,000 |
| Noninterest expense | 9,050,000 | 18,053,000 | 27,067,000 | 37,225,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 2,491,000 | 5,549,000 | 8,439,000 | 9,879,000 |
| Income tax | 798,000 | 1,805,000 | 2,732,000 | 2,673,000 |
| Net income | 1,693,000 | 3,744,000 | 5,707,000 | 7,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,110,000 | 120,221,000 | 122,485,000 | 123,563,000 |
| Total capital | 125,432,000 | 127,629,000 | 130,062,000 | 131,261,000 |
| Risk-weighted assets | 828,415,000 | 866,336,000 | 869,427,000 | 893,372,000 |