Call reports 2003
KENTUCKY HOME BANK, INC. — 2003
What KENTUCKY HOME BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 54,899,000 | 56,794,000 | 60,765,000 | 60,296,000 |
| Total loans | 46,398,000 | 49,146,000 | 52,033,000 | 52,721,000 |
| Allowance for loan losses | 488,000 | 493,000 | 513,000 | 534,000 |
| Securities available for sale | 601,000 | 606,000 | 936,000 | 1,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,999,000 | 46,964,000 | 50,109,000 | 49,476,000 |
| Interest-bearing deposits | 38,683,000 | 40,501,000 | 42,167,000 | 42,976,000 |
| Noninterest-bearing deposits | 6,316,000 | 6,463,000 | 7,942,000 | 6,500,000 |
| Equity capital | 5,179,000 | 5,371,000 | 5,546,000 | 5,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,812,000 | 2,775,000 | 3,761,000 |
| Interest expense | 335,000 | 666,000 | 1,004,000 | 1,340,000 |
| Net interest income | 557,000 | 1,146,000 | 1,771,000 | 2,421,000 |
| Noninterest income | 122,000 | 282,000 | 412,000 | 526,000 |
| Noninterest expense | 441,000 | 869,000 | 1,316,000 | 1,753,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 208,000 | 499,000 | 777,000 | 1,074,000 |
| Income tax | 71,000 | 170,000 | 265,000 | 368,000 |
| Net income | 137,000 | 329,000 | 512,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,178,000 | 5,371,000 | 5,557,000 | 5,748,000 |
| Total capital | 5,666,000 | 5,864,000 | 6,070,000 | 6,282,000 |
| Risk-weighted assets | 42,602,000 | 44,490,000 | 48,054,000 | 48,767,000 |