Call reports 2004
KENTUCKY TRUST BANK — 2004
What KENTUCKY TRUST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 107,210,000 | 99,345,000 | 98,609,000 | 102,043,000 |
| Total loans | 79,954,000 | 77,112,000 | 75,200,000 | 80,087,000 |
| Allowance for loan losses | 761,000 | 1,397,000 | 1,220,000 | 1,052,000 |
| Securities available for sale | 17,167,000 | 16,797,000 | 18,159,000 | 17,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,044,000 | 78,771,000 | 80,036,000 | 79,653,000 |
| Interest-bearing deposits | 74,456,000 | 69,187,000 | 69,642,000 | 70,319,000 |
| Noninterest-bearing deposits | 11,588,000 | 9,584,000 | 10,394,000 | 9,334,000 |
| Equity capital | 7,613,000 | 7,083,000 | 7,482,000 | 7,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,427,000 | 2,836,000 | 4,243,000 | 5,644,000 |
| Interest expense | 510,000 | 996,000 | 1,484,000 | 1,982,000 |
| Net interest income | 917,000 | 1,840,000 | 2,759,000 | 3,662,000 |
| Noninterest income | 329,000 | 704,000 | 1,121,000 | 1,499,000 |
| Noninterest expense | 960,000 | 1,882,000 | 2,981,000 | 4,140,000 |
| Provision for loan losses | 154,000 | 778,000 | 832,000 | 1,166,000 |
| Pretax income | 147,000 | -96,000 | 87,000 | -125,000 |
| Income tax | 49,000 | -49,000 | 16,000 | -50,000 |
| Net income | 98,000 | -47,000 | 71,000 | -75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,506,000 | 7,361,000 | 7,479,000 | 7,784,000 |
| Total capital | 8,267,000 | 8,216,000 | 8,314,000 | 8,681,000 |
| Risk-weighted assets | 75,030,000 | 67,099,000 | 66,443,000 | 71,616,000 |