Call reports 2013
KENTUCKY HOME BANK, INC. — 2013
What KENTUCKY HOME BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 111,332,000 | 107,908,000 | 110,128,000 | 109,972,000 |
| Total loans | 77,466,000 | 74,042,000 | 74,033,000 | 74,526,000 |
| Allowance for loan losses | 1,065,000 | 1,089,000 | 1,092,000 | 1,149,000 |
| Securities available for sale | 8,355,000 | 10,438,000 | 15,001,000 | 15,201,000 |
| Securities held to maturity | 2,007,000 | 2,209,000 | 2,209,000 | 2,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,784,000 | 84,064,000 | 87,329,000 | 85,367,000 |
| Interest-bearing deposits | 67,329,000 | 65,670,000 | 66,545,000 | 65,179,000 |
| Noninterest-bearing deposits | 19,455,000 | 18,394,000 | 20,784,000 | 20,188,000 |
| Equity capital | 14,908,000 | 14,775,000 | 15,021,000 | 15,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,144,000 | 2,274,000 | 3,400,000 | 4,533,000 |
| Interest expense | 153,000 | 289,000 | 419,000 | 534,000 |
| Net interest income | 991,000 | 1,985,000 | 2,981,000 | 3,999,000 |
| Noninterest income | 181,000 | 343,000 | 468,000 | 612,000 |
| Noninterest expense | 783,000 | 1,494,000 | 2,236,000 | 2,897,000 |
| Provision for loan losses | 75,000 | 385,000 | 495,000 | 570,000 |
| Pretax income | 314,000 | 449,000 | 718,000 | 1,144,000 |
| Income tax | 97,000 | 133,000 | 215,000 | 344,000 |
| Net income | 217,000 | 316,000 | 503,000 | 800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,899,000 | 15,000,000 | 15,188,000 | 15,455,000 |
| Total capital | 15,837,000 | 15,906,000 | 16,099,000 | 16,370,000 |
| Risk-weighted assets | 74,910,000 | 72,292,000 | 72,737,000 | 72,962,000 |
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