Call reports 2004
KENTUCKY NEIGHBORHOOD BANK — 2004
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 104,085,000 | 106,454,000 | 111,928,000 | 107,775,000 |
| Total loans | 86,181,000 | 84,930,000 | 77,979,000 | 74,653,000 |
| Allowance for loan losses | 938,000 | 1,019,000 | 1,029,000 | 1,026,000 |
| Securities available for sale | 8,920,000 | 10,090,000 | 19,195,000 | 22,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,826,000 | 83,884,000 | 89,066,000 | 84,773,000 |
| Interest-bearing deposits | 73,968,000 | 74,797,000 | 80,952,000 | 76,695,000 |
| Noninterest-bearing deposits | 7,858,000 | 9,087,000 | 8,114,000 | 8,078,000 |
| Equity capital | 8,642,000 | 8,726,000 | 9,089,000 | 9,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,570,000 | 3,146,000 | 4,840,000 | 6,436,000 |
| Interest expense | 614,000 | 1,250,000 | 1,919,000 | 2,573,000 |
| Net interest income | 956,000 | 1,896,000 | 2,921,000 | 3,863,000 |
| Noninterest income | 227,000 | 463,000 | 754,000 | 1,061,000 |
| Noninterest expense | 862,000 | 1,781,000 | 2,719,000 | 3,609,000 |
| Provision for loan losses | 116,000 | 181,000 | 247,000 | 314,000 |
| Pretax income | 205,000 | 397,000 | 709,000 | 1,001,000 |
| Income tax | 75,000 | 135,000 | 242,000 | 342,000 |
| Net income | 130,000 | 262,000 | 467,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,583,000 | 8,815,000 | 9,020,000 | 9,325,000 |
| Total capital | 9,494,000 | 9,717,000 | 9,869,000 | 10,150,000 |
| Risk-weighted assets | 72,886,000 | 72,024,000 | 67,758,000 | 65,775,000 |