Call reports 2006
KENTUCKY NEIGHBORHOOD BANK — 2006
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 117,423,000 | 113,917,000 | 114,490,000 | 119,132,000 |
| Total loans | 79,811,000 | 82,777,000 | 84,723,000 | 87,032,000 |
| Allowance for loan losses | 1,081,000 | 1,043,000 | 974,000 | 955,000 |
| Securities available for sale | 26,826,000 | 25,242,000 | 24,144,000 | 23,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,657,000 | 92,466,000 | 91,604,000 | 97,078,000 |
| Interest-bearing deposits | 84,217,000 | 82,081,000 | 81,313,000 | 80,633,000 |
| Noninterest-bearing deposits | 10,440,000 | 10,385,000 | 10,291,000 | 16,445,000 |
| Equity capital | 9,438,000 | 9,446,000 | 9,913,000 | 10,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,754,000 | 3,603,000 | 5,509,000 | 7,439,000 |
| Interest expense | 847,000 | 1,757,000 | 2,747,000 | 3,791,000 |
| Net interest income | 907,000 | 1,846,000 | 2,762,000 | 3,648,000 |
| Noninterest income | 282,000 | 539,000 | 885,000 | 1,220,000 |
| Noninterest expense | 965,000 | 1,935,000 | 2,915,000 | 3,909,000 |
| Provision for loan losses | 37,000 | 37,000 | 37,000 | 37,000 |
| Pretax income | 187,000 | 413,000 | 695,000 | 922,000 |
| Income tax | 65,000 | 140,000 | 235,000 | 309,000 |
| Net income | 122,000 | 273,000 | 460,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,970,000 | 10,121,000 | 10,308,000 | 10,461,000 |
| Total capital | 10,849,000 | 10,999,000 | 11,215,000 | 11,418,000 |
| Risk-weighted assets | 70,193,000 | 70,051,000 | 72,483,000 | 90,507,000 |
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