Call reports 2007
KENTUCKY NEIGHBORHOOD BANK — 2007
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 121,331,000 | 123,839,000 | 124,073,000 | 125,351,000 |
| Total loans | 92,573,000 | 94,864,000 | 96,763,000 | 99,130,000 |
| Allowance for loan losses | 947,000 | 926,000 | 963,000 | 936,000 |
| Securities available for sale | 21,656,000 | 20,449,000 | 19,750,000 | 17,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,330,000 | 93,853,000 | 94,803,000 | 96,346,000 |
| Interest-bearing deposits | 82,574,000 | 83,524,000 | 82,755,000 | 85,961,000 |
| Noninterest-bearing deposits | 10,756,000 | 10,329,000 | 12,048,000 | 10,385,000 |
| Equity capital | 10,357,000 | 10,402,000 | 11,094,000 | 11,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,996,000 | 4,073,000 | 6,241,000 | 8,383,000 |
| Interest expense | 1,086,000 | 2,216,000 | 3,361,000 | 4,511,000 |
| Net interest income | 910,000 | 1,857,000 | 2,880,000 | 3,872,000 |
| Noninterest income | 244,000 | 526,000 | 808,000 | 990,000 |
| Noninterest expense | 940,000 | 1,884,000 | 2,844,000 | 3,903,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 214,000 | 499,000 | 844,000 | 959,000 |
| Income tax | 71,000 | 166,000 | 282,000 | 320,000 |
| Net income | 143,000 | 333,000 | 562,000 | 639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,604,000 | 10,793,000 | 11,298,000 | 11,301,000 |
| Total capital | 11,580,000 | 11,748,000 | 12,290,000 | 12,266,000 |
| Risk-weighted assets | 93,370,000 | 95,655,000 | 95,660,000 | 94,575,000 |
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