Call reports 2003
KENTUCKY NEIGHBORHOOD BANK — 2003
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 95,592,000 | 94,196,000 | 95,853,000 | 100,451,000 |
| Total loans | 79,523,000 | 79,625,000 | 81,277,000 | 83,562,000 |
| Allowance for loan losses | 780,000 | 810,000 | 852,000 | 866,000 |
| Securities available for sale | 5,623,000 | 8,258,000 | 8,831,000 | 8,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,310,000 | 76,355,000 | 73,617,000 | 77,882,000 |
| Interest-bearing deposits | 70,304,000 | 67,885,000 | 66,275,000 | 69,137,000 |
| Noninterest-bearing deposits | 8,006,000 | 8,470,000 | 7,342,000 | 8,745,000 |
| Equity capital | 7,687,000 | 7,999,000 | 8,198,000 | 8,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,628,000 | 3,252,000 | 4,779,000 | 6,330,000 |
| Interest expense | 663,000 | 1,285,000 | 1,885,000 | 2,500,000 |
| Net interest income | 965,000 | 1,967,000 | 2,894,000 | 3,830,000 |
| Noninterest income | 214,000 | 491,000 | 776,000 | 982,000 |
| Noninterest expense | 809,000 | 1,569,000 | 2,352,000 | 3,071,000 |
| Provision for loan losses | 65,000 | 130,000 | 197,000 | 263,000 |
| Pretax income | 305,000 | 759,000 | 1,121,000 | 1,478,000 |
| Income tax | 104,000 | 259,000 | 382,000 | 503,000 |
| Net income | 201,000 | 500,000 | 739,000 | 975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,619,000 | 7,918,000 | 8,157,000 | 8,393,000 |
| Total capital | 8,399,000 | 8,728,000 | 9,009,000 | 9,259,000 |
| Risk-weighted assets | 65,705,000 | 66,068,000 | 68,302,000 | 69,553,000 |