Call reports 2007
KENTUCKY TRUST BANK — 2007
What KENTUCKY TRUST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Total assets | 120,406,000 | 117,725,000 | 111,175,000 |
| Total loans | 90,089,000 | 87,561,000 | 84,025,000 |
| Allowance for loan losses | 1,223,000 | 1,278,000 | 1,278,000 |
| Securities available for sale | 17,286,000 | 18,102,000 | 17,426,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 104,374,000 | 102,040,000 | 94,476,000 |
| Interest-bearing deposits | 90,470,000 | 86,329,000 | 81,571,000 |
| Noninterest-bearing deposits | 13,904,000 | 15,711,000 | 12,905,000 |
| Equity capital | 8,898,000 | 8,825,000 | 7,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Interest income | 2,068,000 | 4,149,000 | 6,001,000 |
| Interest expense | 963,000 | 1,916,000 | 2,814,000 |
| Net interest income | 1,105,000 | 2,233,000 | 3,187,000 |
| Noninterest income | 495,000 | 1,070,000 | 1,732,000 |
| Noninterest expense | 1,249,000 | 2,594,000 | 4,615,000 |
| Provision for loan losses | 54,000 | 108,000 | 123,000 |
| Pretax income | 297,000 | 601,000 | 181,000 |
| Income tax | 100,000 | 200,000 | 137,000 |
| Net income | 197,000 | 401,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Tier 1 capital | 9,064,000 | 9,148,000 | 8,092,000 |
| Total capital | 10,158,000 | 10,266,000 | 9,173,000 |
| Risk-weighted assets | 87,384,000 | 89,279,000 | 86,253,000 |