Call reports 2005
KENTUCKY NEIGHBORHOOD BANK — 2005
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 112,176,000 | 112,749,000 | 112,834,000 | 110,513,000 |
| Total loans | 76,879,000 | 77,549,000 | 76,142,000 | 78,318,000 |
| Allowance for loan losses | 1,038,000 | 1,020,000 | 1,049,000 | 1,071,000 |
| Securities available for sale | 25,545,000 | 24,647,000 | 25,056,000 | 25,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,255,000 | 86,489,000 | 88,522,000 | 85,910,000 |
| Interest-bearing deposits | 75,455,000 | 77,169,000 | 77,564,000 | 76,521,000 |
| Noninterest-bearing deposits | 9,800,000 | 9,320,000 | 10,958,000 | 9,389,000 |
| Equity capital | 9,170,000 | 9,407,000 | 9,521,000 | 9,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,565,000 | 3,214,000 | 4,900,000 | 6,686,000 |
| Interest expense | 649,000 | 1,393,000 | 2,158,000 | 2,939,000 |
| Net interest income | 916,000 | 1,821,000 | 2,742,000 | 3,747,000 |
| Noninterest income | 184,000 | 449,000 | 750,000 | 962,000 |
| Noninterest expense | 902,000 | 1,843,000 | 2,747,000 | 3,733,000 |
| Provision for loan losses | 47,000 | 78,000 | 127,000 | 177,000 |
| Pretax income | 151,000 | 349,000 | 618,000 | 799,000 |
| Income tax | 52,000 | 120,000 | 212,000 | 276,000 |
| Net income | 99,000 | 229,000 | 406,000 | 523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,425,000 | 9,554,000 | 9,731,000 | 9,849,000 |
| Total capital | 10,260,000 | 10,400,000 | 10,564,000 | 10,694,000 |
| Risk-weighted assets | 66,593,000 | 67,475,000 | 66,434,000 | 67,389,000 |
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