Call reports 2006
KENTUCKY TRUST BANK — 2006
What KENTUCKY TRUST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 110,729,000 | 114,475,000 | 119,049,000 | 120,464,000 |
| Total loans | 86,411,000 | 88,396,000 | 94,045,000 | 92,773,000 |
| Allowance for loan losses | 1,146,000 | 1,077,000 | 1,134,000 | 1,167,000 |
| Securities available for sale | 15,813,000 | 15,105,000 | 15,224,000 | 14,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,372,000 | 96,247,000 | 95,146,000 | 103,901,000 |
| Interest-bearing deposits | 76,131,000 | 81,878,000 | 82,026,000 | 88,173,000 |
| Noninterest-bearing deposits | 12,241,000 | 14,369,000 | 13,120,000 | 15,728,000 |
| Equity capital | 8,574,000 | 8,472,000 | 8,624,000 | 8,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,711,000 | 3,592,000 | 5,628,000 | 7,726,000 |
| Interest expense | 710,000 | 1,540,000 | 2,467,000 | 3,451,000 |
| Net interest income | 1,001,000 | 2,052,000 | 3,161,000 | 4,275,000 |
| Noninterest income | 427,000 | 1,004,000 | 1,502,000 | 2,130,000 |
| Noninterest expense | 1,290,000 | 2,686,000 | 4,184,000 | 5,613,000 |
| Provision for loan losses | 42,000 | 87,000 | 132,000 | 177,000 |
| Pretax income | 86,000 | 273,000 | 337,000 | 605,000 |
| Income tax | 27,000 | 90,000 | 114,000 | 186,000 |
| Net income | 59,000 | 183,000 | 223,000 | 419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,838,000 | 8,902,000 | 8,886,000 | 9,027,000 |
| Total capital | 9,866,000 | 9,979,000 | 10,020,000 | 10,139,000 |
| Risk-weighted assets | 82,128,000 | 86,201,000 | 92,151,000 | 88,910,000 |