Call reports 2002
KENTUCKY HOME BANK, INC. — 2002
What KENTUCKY HOME BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 48,864,000 | 49,336,000 | 52,751,000 | 52,682,000 |
| Total loans | 41,939,000 | 43,819,000 | 45,677,000 | 47,298,000 |
| Allowance for loan losses | 420,000 | 451,000 | 452,000 | 470,000 |
| Securities available for sale | 1,097,000 | 854,000 | 803,000 | 203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,431,000 | 39,789,000 | 42,396,000 | 41,961,000 |
| Interest-bearing deposits | 34,548,000 | 34,109,000 | 36,371,000 | 35,647,000 |
| Noninterest-bearing deposits | 4,883,000 | 5,680,000 | 6,025,000 | 6,314,000 |
| Equity capital | 4,609,000 | 4,750,000 | 4,892,000 | 5,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 850,000 | 1,730,000 | 2,624,000 | 3,522,000 |
| Interest expense | 400,000 | 781,000 | 1,145,000 | 1,490,000 |
| Net interest income | 450,000 | 949,000 | 1,479,000 | 2,032,000 |
| Noninterest income | 149,000 | 264,000 | 392,000 | 526,000 |
| Noninterest expense | 416,000 | 793,000 | 1,199,000 | 1,612,000 |
| Provision for loan losses | 30,000 | 60,000 | 95,000 | 139,000 |
| Pretax income | 153,000 | 360,000 | 577,000 | 807,000 |
| Income tax | 52,000 | 123,000 | 197,000 | 275,000 |
| Net income | 101,000 | 237,000 | 380,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,611,000 | 4,747,000 | 4,890,000 | 5,042,000 |
| Total capital | 5,031,000 | 5,198,000 | 5,342,000 | 5,512,000 |
| Risk-weighted assets | 38,875,000 | 39,782,000 | 42,177,000 | 42,709,000 |