Call reports 2012
KENTUCKY HOME BANK, INC. — 2012
What KENTUCKY HOME BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 102,711,000 | 103,212,000 | 103,602,000 | 105,371,000 |
| Total loans | 78,148,000 | 79,209,000 | 79,259,000 | 78,843,000 |
| Allowance for loan losses | 977,000 | 911,000 | 927,000 | 1,002,000 |
| Securities available for sale | 5,999,000 | 5,484,000 | 6,462,000 | 5,876,000 |
| Securities held to maturity | 1,790,000 | 2,009,000 | 2,008,000 | 2,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,298,000 | 79,682,000 | 79,326,000 | 80,960,000 |
| Interest-bearing deposits | 64,182,000 | 65,457,000 | 64,502,000 | 63,784,000 |
| Noninterest-bearing deposits | 15,116,000 | 14,225,000 | 14,824,000 | 17,176,000 |
| Equity capital | 13,844,000 | 14,178,000 | 14,473,000 | 14,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,239,000 | 2,442,000 | 3,659,000 | 4,858,000 |
| Interest expense | 219,000 | 411,000 | 599,000 | 774,000 |
| Net interest income | 1,020,000 | 2,031,000 | 3,060,000 | 4,084,000 |
| Noninterest income | 147,000 | 294,000 | 446,000 | 585,000 |
| Noninterest expense | 683,000 | 1,340,000 | 2,052,000 | 2,768,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 180,000 |
| Pretax income | 454,000 | 925,000 | 1,349,000 | 1,721,000 |
| Income tax | 144,000 | 294,000 | 428,000 | 538,000 |
| Net income | 310,000 | 631,000 | 921,000 | 1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,842,000 | 14,163,000 | 14,453,000 | 14,682,000 |
| Total capital | 14,760,000 | 15,074,000 | 15,380,000 | 15,599,000 |
| Risk-weighted assets | 73,419,000 | 74,109,000 | 74,336,000 | 73,235,000 |