Call reports 2005
KENTUCKY HOME BANK, INC. — 2005
What KENTUCKY HOME BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 74,665,000 | 75,777,000 | 77,993,000 | 81,306,000 |
| Total loans | 63,556,000 | 64,033,000 | 64,069,000 | 65,329,000 |
| Allowance for loan losses | 625,000 | 650,000 | 653,000 | 558,000 |
| Securities available for sale | 2,256,000 | 2,247,000 | 2,418,000 | 2,578,000 |
| Securities held to maturity | 650,000 | 650,000 | 650,000 | 650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,931,000 | 58,056,000 | 60,730,000 | 63,871,000 |
| Interest-bearing deposits | 48,010,000 | 48,260,000 | 50,915,000 | 53,751,000 |
| Noninterest-bearing deposits | 8,921,000 | 9,796,000 | 9,815,000 | 10,120,000 |
| Equity capital | 6,732,000 | 6,976,000 | 7,199,000 | 7,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,181,000 | 2,413,000 | 3,691,000 | 5,058,000 |
| Interest expense | 403,000 | 841,000 | 1,319,000 | 1,842,000 |
| Net interest income | 778,000 | 1,572,000 | 2,372,000 | 3,216,000 |
| Noninterest income | 136,000 | 265,000 | 419,000 | 562,000 |
| Noninterest expense | 509,000 | 1,023,000 | 1,578,000 | 2,126,000 |
| Provision for loan losses | 55,000 | 111,000 | 167,000 | 222,000 |
| Pretax income | 350,000 | 703,000 | 1,046,000 | 1,430,000 |
| Income tax | 118,000 | 237,000 | 353,000 | 470,000 |
| Net income | 232,000 | 466,000 | 693,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,754,000 | 6,989,000 | 7,216,000 | 7,483,000 |
| Total capital | 7,379,000 | 7,639,000 | 7,869,000 | 8,041,000 |
| Risk-weighted assets | 60,536,000 | 61,807,000 | 62,137,000 | 63,749,000 |
Machine access — free, no API key
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