Call reports 2013
KENTUCKY NEIGHBORHOOD BANK — 2013
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 125,407,000 | 129,146,000 | 128,428,000 | 128,709,000 |
| Total loans | 99,988,000 | 104,918,000 | 104,358,000 | 105,501,000 |
| Allowance for loan losses | 1,070,000 | 1,100,000 | 1,059,000 | 1,101,000 |
| Securities available for sale | 14,958,000 | 13,762,000 | 13,321,000 | 12,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,077,000 | 100,621,000 | 104,119,000 | 107,059,000 |
| Interest-bearing deposits | 84,154,000 | 84,025,000 | 87,185,000 | 89,612,000 |
| Noninterest-bearing deposits | 18,922,000 | 16,596,000 | 16,934,000 | 17,447,000 |
| Equity capital | 14,309,000 | 14,326,000 | 14,547,000 | 14,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,502,000 | 3,033,000 | 4,547,000 | 6,065,000 |
| Interest expense | 239,000 | 464,000 | 682,000 | 883,000 |
| Net interest income | 1,263,000 | 2,569,000 | 3,865,000 | 5,182,000 |
| Noninterest income | 466,000 | 1,062,000 | 1,419,000 | 1,839,000 |
| Noninterest expense | 1,327,000 | 2,652,000 | 3,913,000 | 5,184,000 |
| Provision for loan losses | 30,000 | 30,000 | 60,000 | 67,000 |
| Pretax income | 372,000 | 949,000 | 1,311,000 | 1,782,000 |
| Income tax | 114,000 | 288,000 | 391,000 | 531,000 |
| Net income | 258,000 | 661,000 | 920,000 | 1,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,653,000 | 13,996,000 | 14,253,000 | 13,809,000 |
| Total capital | 14,778,000 | 15,151,000 | 15,372,000 | 14,979,000 |
| Risk-weighted assets | 112,484,000 | 112,655,000 | 111,674,000 | 109,385,000 |