Call reports 2014
KENTUCKY NEIGHBORHOOD BANK — 2014
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 132,840,000 | 126,365,000 | 130,877,000 | 131,953,000 |
| Total loans | 102,737,000 | 101,992,000 | 106,454,000 | 107,304,000 |
| Allowance for loan losses | 1,122,000 | 1,084,000 | 1,090,000 | 1,350,000 |
| Securities available for sale | 12,942,000 | 13,876,000 | 15,260,000 | 15,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,557,000 | 100,378,000 | 105,598,000 | 107,332,000 |
| Interest-bearing deposits | 91,288,000 | 80,734,000 | 85,765,000 | 88,614,000 |
| Noninterest-bearing deposits | 20,270,000 | 19,644,000 | 19,833,000 | 18,718,000 |
| Equity capital | 14,204,000 | 14,588,000 | 14,936,000 | 14,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,477,000 | 2,922,000 | 4,427,000 | 5,935,000 |
| Interest expense | 185,000 | 358,000 | 521,000 | 694,000 |
| Net interest income | 1,292,000 | 2,564,000 | 3,906,000 | 5,241,000 |
| Noninterest income | 292,000 | 627,000 | 948,000 | 1,186,000 |
| Noninterest expense | 1,242,000 | 2,464,000 | 3,658,000 | 4,834,000 |
| Provision for loan losses | 23,000 | 33,000 | 58,000 | 417,000 |
| Pretax income | 319,000 | 694,000 | 1,138,000 | 1,176,000 |
| Income tax | 87,000 | 192,000 | 319,000 | 305,000 |
| Net income | 232,000 | 502,000 | 819,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,985,000 | 14,257,000 | 14,568,000 | 13,803,000 |
| Total capital | 15,176,000 | 15,410,000 | 15,718,000 | 15,165,000 |
| Risk-weighted assets | 108,551,000 | 106,697,000 | 110,725,000 | 108,893,000 |