Call reports 2007
KENTUCKY HOME BANK, INC. — 2007
What KENTUCKY HOME BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 90,551,000 | 89,663,000 | 91,485,000 | 93,630,000 |
| Total loans | 70,899,000 | 66,990,000 | 67,370,000 | 69,732,000 |
| Allowance for loan losses | 735,000 | 715,000 | 731,000 | 754,000 |
| Securities available for sale | 5,969,000 | 8,177,000 | 10,182,000 | 10,698,000 |
| Securities held to maturity | 749,000 | 619,000 | 598,000 | 597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,749,000 | 71,746,000 | 73,300,000 | 75,254,000 |
| Interest-bearing deposits | 62,044,000 | 61,540,000 | 63,301,000 | 65,338,000 |
| Noninterest-bearing deposits | 10,705,000 | 10,206,000 | 9,999,000 | 9,916,000 |
| Equity capital | 8,936,000 | 9,135,000 | 9,422,000 | 9,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,626,000 | 3,285,000 | 4,960,000 | 6,653,000 |
| Interest expense | 722,000 | 1,468,000 | 2,247,000 | 3,018,000 |
| Net interest income | 904,000 | 1,817,000 | 2,713,000 | 3,635,000 |
| Noninterest income | 164,000 | 320,000 | 447,000 | 601,000 |
| Noninterest expense | 596,000 | 1,262,000 | 1,887,000 | 2,537,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 434,000 | 800,000 | 1,160,000 | 1,549,000 |
| Income tax | 116,000 | 258,000 | 374,000 | 496,000 |
| Net income | 318,000 | 542,000 | 786,000 | 1,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,948,000 | 9,171,000 | 9,415,000 | 9,682,000 |
| Total capital | 9,683,000 | 9,886,000 | 10,146,000 | 10,436,000 |
| Risk-weighted assets | 71,865,000 | 69,281,000 | 69,241,000 | 72,148,000 |
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