Call reports 2008
KENTUCKY HOME BANK, INC. — 2008
What KENTUCKY HOME BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 98,421,000 | 98,327,000 | 100,664,000 | 98,823,000 |
| Total loans | 69,026,000 | 69,083,000 | 75,464,000 | 75,127,000 |
| Allowance for loan losses | 689,000 | 621,000 | 680,000 | 752,000 |
| Securities available for sale | 12,189,000 | 13,734,000 | 14,509,000 | 12,908,000 |
| Securities held to maturity | 562,000 | 849,000 | 829,000 | 828,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,623,000 | 80,049,000 | 78,926,000 | 76,862,000 |
| Interest-bearing deposits | 69,101,000 | 69,026,000 | 68,510,000 | 66,656,000 |
| Noninterest-bearing deposits | 10,522,000 | 11,023,000 | 10,416,000 | 10,206,000 |
| Equity capital | 10,049,000 | 10,053,000 | 10,202,000 | 10,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,630,000 | 3,215,000 | 4,767,000 | 6,301,000 |
| Interest expense | 751,000 | 1,449,000 | 2,117,000 | 2,785,000 |
| Net interest income | 879,000 | 1,766,000 | 2,650,000 | 3,516,000 |
| Noninterest income | 142,000 | 164,000 | 314,000 | 478,000 |
| Noninterest expense | 651,000 | 1,333,000 | 1,983,000 | 2,628,000 |
| Provision for loan losses | 42,000 | 58,000 | 137,000 | 338,000 |
| Pretax income | 346,000 | 558,000 | 863,000 | 1,075,000 |
| Income tax | 111,000 | 176,000 | 272,000 | 333,000 |
| Net income | 235,000 | 382,000 | 591,000 | 742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,917,000 | 10,064,000 | 10,273,000 | 10,424,000 |
| Total capital | 10,606,000 | 10,685,000 | 10,953,000 | 11,176,000 |
| Risk-weighted assets | 72,106,000 | 72,026,000 | 75,067,000 | 73,570,000 |
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