Call reports 2005
KENTUCKY TRUST BANK — 2005
What KENTUCKY TRUST BANK 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 | 99,214,000 | 102,967,000 | 100,598,000 | 106,739,000 |
| Total loans | 78,757,000 | 78,902,000 | 78,151,000 | 82,336,000 |
| Allowance for loan losses | 1,114,000 | 1,063,000 | 1,106,000 | 1,113,000 |
| Securities available for sale | 16,657,000 | 15,673,000 | 17,026,000 | 15,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,092,000 | 84,232,000 | 81,331,000 | 85,807,000 |
| Interest-bearing deposits | 69,323,000 | 71,899,000 | 68,885,000 | 73,929,000 |
| Noninterest-bearing deposits | 9,769,000 | 12,333,000 | 12,446,000 | 11,878,000 |
| Equity capital | 8,550,000 | 8,774,000 | 8,840,000 | 8,778,000 |
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 | 1,415,000 | 2,867,000 | 4,412,000 | 6,023,000 |
| Interest expense | 504,000 | 1,058,000 | 1,650,000 | 2,268,000 |
| Net interest income | 911,000 | 1,809,000 | 2,762,000 | 3,755,000 |
| Noninterest income | 388,000 | 803,000 | 1,265,000 | 1,690,000 |
| Noninterest expense | 1,057,000 | 2,129,000 | 3,308,000 | 4,564,000 |
| Provision for loan losses | 42,000 | 78,000 | 114,000 | 150,000 |
| Pretax income | 201,000 | 406,000 | 606,000 | 738,000 |
| Income tax | 68,000 | 138,000 | 200,000 | 237,000 |
| Net income | 133,000 | 268,000 | 406,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,718,000 | 8,853,000 | 8,633,000 | 9,029,000 |
| Total capital | 9,607,000 | 9,783,000 | 9,555,000 | 10,029,000 |
| Risk-weighted assets | 70,901,000 | 74,283,000 | 73,628,000 | 79,901,000 |