Call reports 2012
KENTUCKY NEIGHBORHOOD BANK — 2012
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 127,870,000 | 125,616,000 | 124,669,000 | 126,756,000 |
| Total loans | 95,794,000 | 94,226,000 | 97,345,000 | 98,124,000 |
| Allowance for loan losses | 1,084,000 | 1,041,000 | 1,027,000 | 1,038,000 |
| Securities available for sale | 12,911,000 | 15,406,000 | 14,958,000 | 14,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,616,000 | 104,506,000 | 103,344,000 | 105,670,000 |
| Interest-bearing deposits | 91,160,000 | 88,621,000 | 88,084,000 | 87,792,000 |
| Noninterest-bearing deposits | 15,456,000 | 15,885,000 | 15,260,000 | 17,878,000 |
| Equity capital | 13,999,000 | 14,167,000 | 14,458,000 | 14,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,639,000 | 3,205,000 | 4,747,000 | 6,290,000 |
| Interest expense | 334,000 | 647,000 | 944,000 | 1,209,000 |
| Net interest income | 1,305,000 | 2,558,000 | 3,803,000 | 5,081,000 |
| Noninterest income | 319,000 | 666,000 | 1,036,000 | 1,633,000 |
| Noninterest expense | 1,058,000 | 2,308,000 | 3,585,000 | 4,951,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 566,000 | 916,000 | 1,254,000 | 1,703,000 |
| Income tax | 182,000 | 289,000 | 392,000 | 534,000 |
| Net income | 384,000 | 627,000 | 862,000 | 1,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,385,000 | 13,506,000 | 13,730,000 | 13,412,000 |
| Total capital | 14,524,000 | 14,602,000 | 14,812,000 | 14,505,000 |
| Risk-weighted assets | 102,370,000 | 103,199,000 | 106,103,000 | 110,325,000 |