Call reports 2009
KENTUCKY HOME BANK, INC. — 2009
What KENTUCKY HOME BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 98,071,000 | 98,043,000 | 97,293,000 | 98,526,000 |
| Total loans | 74,990,000 | 74,852,000 | 77,841,000 | 77,097,000 |
| Allowance for loan losses | 779,000 | 677,000 | 836,000 | 862,000 |
| Securities available for sale | 10,878,000 | 8,418,000 | 6,957,000 | 4,821,000 |
| Securities held to maturity | 828,000 | 772,000 | 1,029,000 | 1,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,999,000 | 75,993,000 | 74,778,000 | 76,200,000 |
| Interest-bearing deposits | 64,962,000 | 64,984,000 | 64,064,000 | 64,309,000 |
| Noninterest-bearing deposits | 11,037,000 | 11,009,000 | 10,714,000 | 11,891,000 |
| Equity capital | 10,527,000 | 10,846,000 | 11,026,000 | 11,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,412,000 | 2,807,000 | 4,195,000 | 5,521,000 |
| Interest expense | 581,000 | 1,046,000 | 1,476,000 | 1,889,000 |
| Net interest income | 831,000 | 1,761,000 | 2,719,000 | 3,632,000 |
| Noninterest income | 140,000 | 304,000 | 423,000 | 581,000 |
| Noninterest expense | 662,000 | 1,383,000 | 2,012,000 | 2,679,000 |
| Provision for loan losses | 100,000 | 200,000 | 375,000 | 500,000 |
| Pretax income | 216,000 | 495,000 | 783,000 | 1,065,000 |
| Income tax | 66,000 | 153,000 | 243,000 | 326,000 |
| Net income | 150,000 | 342,000 | 540,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,574,000 | 10,766,000 | 10,964,000 | 11,163,000 |
| Total capital | 11,353,000 | 11,443,000 | 11,800,000 | 12,025,000 |
| Risk-weighted assets | 73,695,000 | 73,193,000 | 75,181,000 | 74,749,000 |
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