Call reports 2004
CENTURY BANK OF KENTUCKY, INC. — 2004
What CENTURY BANK OF KENTUCKY, INC. 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 | 78,286,000 | 82,493,000 | 82,589,000 | 84,251,000 |
| Total loans | 58,337,000 | 63,446,000 | 62,827,000 | 64,454,000 |
| Allowance for loan losses | 736,000 | 813,000 | 808,000 | 824,000 |
| Securities available for sale | 10,755,000 | 11,564,000 | 12,744,000 | 11,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,768,000 | 64,109,000 | 62,911,000 | 64,442,000 |
| Interest-bearing deposits | 57,656,000 | 58,245,000 | 57,408,000 | 59,622,000 |
| Noninterest-bearing deposits | 4,112,000 | 5,864,000 | 5,503,000 | 4,820,000 |
| Equity capital | 5,797,000 | 5,545,000 | 5,872,000 | 5,945,000 |
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 | 1,052,000 | 2,172,000 | 3,314,000 | 4,489,000 |
| Interest expense | 371,000 | 759,000 | 1,157,000 | 1,576,000 |
| Net interest income | 681,000 | 1,413,000 | 2,157,000 | 2,913,000 |
| Noninterest income | 138,000 | 326,000 | 472,000 | 634,000 |
| Noninterest expense | 653,000 | 1,324,000 | 2,025,000 | 2,743,000 |
| Provision for loan losses | 41,000 | 118,000 | 136,000 | 191,000 |
| Pretax income | 137,000 | 325,000 | 496,000 | 641,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 137,000 | 325,000 | 496,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,688,000 | 5,728,000 | 5,856,000 | 6,001,000 |
| Total capital | 6,352,000 | 6,437,000 | 6,558,000 | 6,730,000 |
| Risk-weighted assets | 53,008,000 | 56,619,000 | 56,068,000 | 58,246,000 |