Call reports 2005
KENTUCKY FARMERS BANK CORPORATION — 2005
What KENTUCKY FARMERS BANK CORPORATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 115,488,000 | 124,357,000 | 121,511,000 | 117,543,000 |
| Total loans | 58,906,000 | 58,963,000 | 61,080,000 | 60,715,000 |
| Allowance for loan losses | 1,500,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Securities available for sale | 47,368,000 | 56,503,000 | 51,535,000 | 47,398,000 |
| Securities held to maturity | 636,000 | 639,000 | 637,000 | 550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,503,000 | 93,777,000 | 91,612,000 | 88,486,000 |
| Interest-bearing deposits | 70,830,000 | 76,378,000 | 74,806,000 | 70,518,000 |
| Noninterest-bearing deposits | 16,673,000 | 17,399,000 | 16,806,000 | 17,968,000 |
| Equity capital | 27,303,000 | 29,722,000 | 29,087,000 | 28,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,454,000 | 4,868,000 | 7,239,000 | 9,540,000 |
| Interest expense | 322,000 | 652,000 | 1,002,000 | 1,394,000 |
| Net interest income | 2,132,000 | 4,216,000 | 6,237,000 | 8,146,000 |
| Noninterest income | 268,000 | 1,139,000 | 1,494,000 | 1,781,000 |
| Noninterest expense | 1,109,000 | 2,306,000 | 3,388,000 | 4,333,000 |
| Provision for loan losses | 47,000 | 51,000 | 82,000 | 185,000 |
| Pretax income | 1,544,000 | 3,429,000 | 4,694,000 | 6,563,000 |
| Income tax | 394,000 | 913,000 | 1,220,000 | 1,741,000 |
| Net income | 1,150,000 | 2,516,000 | 3,474,000 | 4,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,130,000 | 28,996,000 | 29,453,000 | 30,302,000 |
| Total capital | 29,147,000 | 30,005,000 | 30,492,000 | 31,325,000 |
| Risk-weighted assets | 80,865,000 | 80,257,000 | 82,653,000 | 81,376,000 |
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