Call reports 2004
KENTUCKY HOME BANK, INC. — 2004
What KENTUCKY HOME BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 69,914,000 | 69,625,000 | 70,397,000 | 72,335,000 |
| Total loans | 55,314,000 | 58,444,000 | 59,163,000 | 61,220,000 |
| Allowance for loan losses | 558,000 | 555,000 | 565,000 | 619,000 |
| Securities available for sale | 1,261,000 | 1,145,000 | 1,458,000 | 1,442,000 |
| Securities held to maturity | 0 | 650,000 | 650,000 | 650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,230,000 | 53,082,000 | 53,729,000 | 54,779,000 |
| Interest-bearing deposits | 44,673,000 | 44,774,000 | 45,465,000 | 46,811,000 |
| Noninterest-bearing deposits | 8,557,000 | 8,308,000 | 8,264,000 | 7,968,000 |
| Equity capital | 5,910,000 | 6,092,000 | 6,293,000 | 6,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,012,000 | 2,076,000 | 3,191,000 | 4,345,000 |
| Interest expense | 353,000 | 732,000 | 1,110,000 | 1,493,000 |
| Net interest income | 659,000 | 1,344,000 | 2,081,000 | 2,852,000 |
| Noninterest income | 122,000 | 249,000 | 392,000 | 539,000 |
| Noninterest expense | 507,000 | 983,000 | 1,523,000 | 2,063,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 168,000 |
| Pretax income | 244,000 | 550,000 | 830,000 | 1,160,000 |
| Income tax | 83,000 | 187,000 | 281,000 | 386,000 |
| Net income | 161,000 | 363,000 | 549,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,909,000 | 6,111,000 | 6,297,000 | 6,522,000 |
| Total capital | 6,467,000 | 6,666,000 | 6,862,000 | 7,141,000 |
| Risk-weighted assets | 53,025,000 | 56,154,000 | 57,338,000 | 58,471,000 |