Call reports 2011
KENTUCKY HOME BANK, INC. — 2011
What KENTUCKY HOME BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 99,052,000 | 103,081,000 | 101,969,000 | 102,654,000 |
| Total loans | 77,448,000 | 78,271,000 | 79,816,000 | 81,238,000 |
| Allowance for loan losses | 967,000 | 977,000 | 975,000 | 969,000 |
| Securities available for sale | 4,413,000 | 6,521,000 | 4,340,000 | 4,792,000 |
| Securities held to maturity | 1,425,000 | 1,791,000 | 1,791,000 | 1,791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,880,000 | 79,714,000 | 79,911,000 | 80,210,000 |
| Interest-bearing deposits | 65,383,000 | 65,792,000 | 64,991,000 | 64,404,000 |
| Noninterest-bearing deposits | 12,497,000 | 13,922,000 | 14,920,000 | 15,806,000 |
| Equity capital | 12,510,000 | 12,845,000 | 13,178,000 | 13,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,239,000 | 2,484,000 | 3,776,000 | 5,051,000 |
| Interest expense | 298,000 | 587,000 | 860,000 | 1,105,000 |
| Net interest income | 941,000 | 1,897,000 | 2,916,000 | 3,946,000 |
| Noninterest income | 155,000 | 307,000 | 459,000 | 621,000 |
| Noninterest expense | 651,000 | 1,345,000 | 2,018,000 | 2,675,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 370,000 | 797,000 | 1,295,000 | 1,830,000 |
| Income tax | 116,000 | 252,000 | 411,000 | 576,000 |
| Net income | 254,000 | 545,000 | 884,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,532,000 | 12,823,000 | 13,162,000 | 13,532,000 |
| Total capital | 13,428,000 | 13,738,000 | 14,085,000 | 14,467,000 |
| Risk-weighted assets | 71,573,000 | 73,134,000 | 73,762,000 | 74,792,000 |