Call reports 2002
KENTUCKY NEIGHBORHOOD BANK — 2002
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 79,167,000 | 83,295,000 | 90,635,000 | 92,866,000 |
| Total loans | 69,045,000 | 73,119,000 | 76,621,000 | 78,243,000 |
| Allowance for loan losses | 743,000 | 635,000 | 717,000 | 691,000 |
| Securities available for sale | 4,474,000 | 4,626,000 | 4,573,000 | 4,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,400,000 | 66,540,000 | 73,532,000 | 75,602,000 |
| Interest-bearing deposits | 52,926,000 | 57,556,000 | 64,015,000 | 67,409,000 |
| Noninterest-bearing deposits | 8,474,000 | 8,984,000 | 9,517,000 | 8,193,000 |
| Equity capital | 6,818,000 | 7,058,000 | 7,311,000 | 7,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,536,000 | 3,123,000 | 4,784,000 | 6,445,000 |
| Interest expense | 703,000 | 1,389,000 | 2,077,000 | 2,747,000 |
| Net interest income | 833,000 | 1,734,000 | 2,707,000 | 3,698,000 |
| Noninterest income | 115,000 | 250,000 | 408,000 | 609,000 |
| Noninterest expense | 679,000 | 1,373,000 | 2,098,000 | 2,918,000 |
| Provision for loan losses | 45,000 | 131,000 | 199,000 | 362,000 |
| Pretax income | 224,000 | 489,000 | 818,000 | 1,027,000 |
| Income tax | 76,000 | 166,000 | 279,000 | 351,000 |
| Net income | 148,000 | 323,000 | 539,000 | 676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,830,000 | 7,005,000 | 7,221,000 | 7,358,000 |
| Total capital | 7,553,000 | 7,640,000 | 7,938,000 | 8,049,000 |
| Risk-weighted assets | 57,865,000 | 60,846,000 | 63,463,000 | 64,933,000 |