Call reports 2002
KENTUCKY TRUST BANK — 2002
What KENTUCKY TRUST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 74,617,000 | 79,189,000 | 85,211,000 | 91,847,000 |
| Total loans | 46,326,000 | 51,448,000 | 55,251,000 | 56,411,000 |
| Allowance for loan losses | 475,000 | 496,000 | 562,000 | 492,000 |
| Securities available for sale | 14,637,000 | 12,104,000 | 12,323,000 | 15,770,000 |
| Securities held to maturity | 4,008,000 | 6,341,000 | 4,739,000 | 7,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,288,000 | 66,496,000 | 70,630,000 | 75,029,000 |
| Interest-bearing deposits | 57,295,000 | 58,145,000 | 61,757,000 | 66,087,000 |
| Noninterest-bearing deposits | 7,993,000 | 8,351,000 | 8,873,000 | 8,942,000 |
| Equity capital | 5,439,000 | 5,774,000 | 6,130,000 | 6,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,143,000 | 2,303,000 | 3,490,000 | 4,682,000 |
| Interest expense | 470,000 | 928,000 | 1,428,000 | 1,959,000 |
| Net interest income | 673,000 | 1,375,000 | 2,062,000 | 2,723,000 |
| Noninterest income | 214,000 | 499,000 | 873,000 | 1,346,000 |
| Noninterest expense | 786,000 | 1,678,000 | 2,596,000 | 3,695,000 |
| Provision for loan losses | 65,000 | 110,000 | 185,000 | 230,000 |
| Pretax income | 72,000 | 135,000 | 312,000 | 408,000 |
| Income tax | 24,000 | 43,000 | 101,000 | 106,000 |
| Net income | 48,000 | 92,000 | 211,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,528,000 | 5,672,000 | 6,002,000 | 6,547,000 |
| Total capital | 6,003,000 | 6,168,000 | 6,564,000 | 7,039,000 |
| Risk-weighted assets | 51,254,000 | 53,914,000 | 60,298,000 | 62,699,000 |