Call reports 2008
KENTUCKY NEIGHBORHOOD BANK — 2008
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 123,256,000 | 120,210,000 | 119,186,000 | 119,171,000 |
| Total loans | 95,829,000 | 96,044,000 | 94,618,000 | 91,690,000 |
| Allowance for loan losses | 907,000 | 1,184,000 | 1,045,000 | 889,000 |
| Securities available for sale | 17,828,000 | 16,672,000 | 16,302,000 | 16,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,345,000 | 91,754,000 | 91,448,000 | 90,927,000 |
| Interest-bearing deposits | 84,763,000 | 81,077,000 | 80,039,000 | 81,328,000 |
| Noninterest-bearing deposits | 10,582,000 | 10,677,000 | 11,409,000 | 9,599,000 |
| Equity capital | 11,589,000 | 11,121,000 | 11,344,000 | 11,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,024,000 | 4,020,000 | 6,003,000 | 7,933,000 |
| Interest expense | 1,121,000 | 2,095,000 | 2,980,000 | 3,844,000 |
| Net interest income | 903,000 | 1,925,000 | 3,023,000 | 4,089,000 |
| Noninterest income | 276,000 | 541,000 | 841,000 | 1,046,000 |
| Noninterest expense | 923,000 | 1,955,000 | 2,978,000 | 4,007,000 |
| Provision for loan losses | 25,000 | 303,000 | 362,000 | 826,000 |
| Pretax income | 231,000 | 206,000 | 522,000 | 300,000 |
| Income tax | 74,000 | 61,000 | 164,000 | 98,000 |
| Net income | 157,000 | 145,000 | 358,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,458,000 | 11,353,000 | 11,476,000 | 11,320,000 |
| Total capital | 12,394,000 | 12,529,000 | 12,521,000 | 12,248,000 |
| Risk-weighted assets | 95,168,000 | 94,079,000 | 91,373,000 | 88,932,000 |