Call reports 2016
KENTUCKY NEIGHBORHOOD BANK — 2016
What KENTUCKY NEIGHBORHOOD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 134,145,000 | 131,789,000 | 133,973,000 | 132,467,000 |
| Total loans | 102,988,000 | 103,401,000 | 105,463,000 | 103,948,000 |
| Allowance for loan losses | 1,446,000 | 1,445,000 | 1,386,000 | 34,000 |
| Securities available for sale | 16,697,000 | 18,938,000 | 18,350,000 | 4,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,425,000 | 108,073,000 | 110,533,000 | 112,706,000 |
| Interest-bearing deposits | 83,619,000 | 84,234,000 | 83,899,000 | 84,946,000 |
| Noninterest-bearing deposits | 26,806,000 | 23,839,000 | 26,634,000 | 27,760,000 |
| Equity capital | 14,794,000 | 15,180,000 | 15,157,000 | 18,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,423,000 | 2,822,000 | 4,182,000 | 5,521,000 |
| Interest expense | 174,000 | 344,000 | 527,000 | 675,000 |
| Net interest income | 1,249,000 | 2,478,000 | 3,655,000 | 4,846,000 |
| Noninterest income | 236,000 | 667,000 | 1,181,000 | 1,583,000 |
| Noninterest expense | 1,178,000 | 2,364,000 | 3,543,000 | 5,553,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 95,000 |
| Pretax income | 257,000 | 731,000 | 1,243,000 | 781,000 |
| Income tax | 65,000 | 204,000 | 356,000 | 191,000 |
| Net income | 192,000 | 527,000 | 887,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,436,000 | 14,761,000 | 14,720,000 | 14,487,000 |
| Total capital | 15,830,000 | 16,172,000 | 16,159,000 | 14,574,000 |
| Risk-weighted assets | 111,384,000 | 112,818,000 | 118,817,000 | 109,031,000 |