# KENTUCKY HOME BANK
BARDSTOWN, KY · FDIC certificate 34432 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $110.0M | |
| Deposits | $87.4M | |
| Loans and leases | $73.3M | |
| Total equity | $16.0M | |
| Loans / deposits | 82.94% (p73 of band) | 70.43% |
| Liquid assets / assets | 32.18% (p45 of band) | |
| Uninsured deposits / deposits | 9.28% (p31 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.38% (p71 of band) | |
| FHLB advances / assets | 3.96% | |
| Tier 1 leverage | 14.36% (p85 of band) | 10.49% |
| Unrealized securities loss / equity | 0.84% (p42 of band) | 1.32% |
| AOCI / equity | 0.58% (p54 of band) | |
| ROA (annualized) | 0.24% (p15 of band) | 0.80% |
| Net interest margin | 3.90% (p69 of band) | 3.57% |
| Efficiency ratio | 68.84% (p38 of band) | |
| Noncurrent loans | 0.88% (p54 of band) | 0.77% |
| Net charge-offs (annualized) | -0.91% (p0 of band) | |
| Reserve coverage of noncurrent | 130.03% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 47.18% (p80 of band) | |
| Auto loans | $1.1M (1.50% of loans; DQ 2.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | loans exceed deposits |  |
| 2012-03 | 1 |  | loans exceed deposits |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 3 | capital falling, charge-offs p90 |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 1 |  | charge-offs p90 |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent, charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-04-16 [Downs tabbed as county’s economic development chief - pmg-ky2.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNUklHc05vdk02cEFFSmZPeTFkV3VxbkRnV2ZXcEY3LUpGS0VmcDFWLXBQbUljSlNha3NlbEg4UnlOOXdIX0ZhenNXeHVpTzI1YndaRTkzcTJlcVFsYkZMX2h3VFM5cl95eHNTMU0zQ3FhMk9TaHRGTUt2OTRaeGRHYVNxWkZpaTNTOUhOVjhsZVc0dUtiNzJGQS15eDFFa3Itd2hBcDIxQXh6T2lyUnZFQXpFTlJBQjd6NVFrZFptNVkta1kwY19Mcl81UTUybGdSVXVhRnhXeDg?oc=5) · pmg-ky2.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34432 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/0.json (key "34432", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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