Call reports 2009
KENTUCKY NEIGHBORHOOD BANK — 2009
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 118,554,000 | 118,134,000 | 120,235,000 | 118,884,000 |
| Total loans | 90,030,000 | 91,204,000 | 91,165,000 | 91,652,000 |
| Allowance for loan losses | 935,000 | 956,000 | 1,080,000 | 1,195,000 |
| Securities available for sale | 16,739,000 | 15,668,000 | 14,922,000 | 12,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,290,000 | 92,645,000 | 91,999,000 | 94,682,000 |
| Interest-bearing deposits | 82,446,000 | 80,488,000 | 80,662,000 | 82,457,000 |
| Noninterest-bearing deposits | 10,844,000 | 12,157,000 | 11,337,000 | 12,225,000 |
| Equity capital | 11,683,000 | 11,745,000 | 11,874,000 | 11,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,553,000 | 5,276,000 | 7,061,000 |
| Interest expense | 779,000 | 1,491,000 | 2,170,000 | 2,780,000 |
| Net interest income | 1,016,000 | 2,062,000 | 3,106,000 | 4,281,000 |
| Noninterest income | 353,000 | 796,000 | 900,000 | 1,216,000 |
| Noninterest expense | 1,053,000 | 2,288,000 | 3,333,000 | 4,584,000 |
| Provision for loan losses | 49,000 | 99,000 | 233,000 | 383,000 |
| Pretax income | 267,000 | 471,000 | 440,000 | 531,000 |
| Income tax | 86,000 | 148,000 | 130,000 | 131,000 |
| Net income | 181,000 | 323,000 | 310,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,484,000 | 11,595,000 | 11,519,000 | 11,621,000 |
| Total capital | 12,458,000 | 12,590,000 | 12,638,000 | 12,795,000 |
| Risk-weighted assets | 91,497,000 | 97,374,000 | 97,521,000 | 93,845,000 |
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