Call reports 2015
KENTUCKY NEIGHBORHOOD BANK — 2015
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 132,005,000 | 130,245,000 | 136,640,000 | 134,589,000 |
| Total loans | 105,594,000 | 107,441,000 | 107,391,000 | 107,316,000 |
| Allowance for loan losses | 1,396,000 | 1,431,000 | 1,447,000 | 1,415,000 |
| Securities available for sale | 15,378,000 | 13,880,000 | 16,657,000 | 15,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,299,000 | 107,657,000 | 111,038,000 | 110,590,000 |
| Interest-bearing deposits | 87,701,000 | 86,967,000 | 89,695,000 | 85,622,000 |
| Noninterest-bearing deposits | 21,598,000 | 20,690,000 | 21,343,000 | 24,968,000 |
| Equity capital | 14,520,000 | 14,526,000 | 14,820,000 | 14,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,456,000 | 2,935,000 | 4,354,000 | 5,790,000 |
| Interest expense | 167,000 | 333,000 | 510,000 | 692,000 |
| Net interest income | 1,289,000 | 2,602,000 | 3,844,000 | 5,098,000 |
| Noninterest income | 310,000 | 603,000 | 973,000 | 1,292,000 |
| Noninterest expense | 1,155,000 | 2,330,000 | 3,588,000 | 4,846,000 |
| Provision for loan losses | 83,000 | 153,000 | 173,000 | 173,000 |
| Pretax income | 361,000 | 718,000 | 1,052,000 | 1,364,000 |
| Income tax | 99,000 | 200,000 | 301,000 | 396,000 |
| Net income | 262,000 | 518,000 | 751,000 | 968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,061,000 | 14,312,000 | 14,538,000 | 14,244,000 |
| Total capital | 15,508,000 | 15,795,000 | 16,009,000 | 15,712,000 |
| Risk-weighted assets | 139,255,000 | 139,676,000 | 117,644,000 | 117,432,000 |
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