Call reports 2003
KENTUCKY TRUST BANK — 2003
What KENTUCKY TRUST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 93,869,000 | 96,007,000 | 100,318,000 | 103,554,000 |
| Total loans | 59,578,000 | 63,898,000 | 71,838,000 | 77,810,000 |
| Allowance for loan losses | 545,000 | 620,000 | 602,000 | 775,000 |
| Securities available for sale | 15,040,000 | 10,823,000 | 9,913,000 | 10,096,000 |
| Securities held to maturity | 6,558,000 | 8,158,000 | 7,246,000 | 6,740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,896,000 | 76,897,000 | 78,499,000 | 82,144,000 |
| Interest-bearing deposits | 65,726,000 | 66,192,000 | 69,498,000 | 72,137,000 |
| Noninterest-bearing deposits | 12,170,000 | 10,705,000 | 9,001,000 | 10,007,000 |
| Equity capital | 6,593,000 | 6,671,000 | 7,007,000 | 7,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,204,000 | 2,452,000 | 3,757,000 | 5,134,000 |
| Interest expense | 510,000 | 1,032,000 | 1,564,000 | 2,080,000 |
| Net interest income | 694,000 | 1,420,000 | 2,193,000 | 3,054,000 |
| Noninterest income | 363,000 | 708,000 | 1,040,000 | 1,365,000 |
| Noninterest expense | 922,000 | 1,872,000 | 2,804,000 | 3,936,000 |
| Provision for loan losses | 91,000 | 145,000 | 218,000 | 555,000 |
| Pretax income | 51,000 | 125,000 | 234,000 | -47,000 |
| Income tax | 15,000 | 41,000 | 77,000 | -45,000 |
| Net income | 36,000 | 84,000 | 157,000 | -2,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,546,000 | 6,594,000 | 7,037,000 | 7,313,000 |
| Total capital | 7,091,000 | 7,214,000 | 7,639,000 | 8,088,000 |
| Risk-weighted assets | 64,811,000 | 63,536,000 | 71,787,000 | 73,578,000 |