Call reports 2005
CENTURY BANK OF KENTUCKY, INC. — 2005
What CENTURY BANK OF KENTUCKY, INC. 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 | 86,884,000 | 94,536,000 | 98,704,000 | 102,509,000 |
| Total loans | 68,172,000 | 73,324,000 | 76,088,000 | 74,048,000 |
| Allowance for loan losses | 883,000 | 914,000 | 944,000 | 932,000 |
| Securities available for sale | 12,183,000 | 12,040,000 | 15,616,000 | 17,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,960,000 | 72,516,000 | 77,002,000 | 78,598,000 |
| Interest-bearing deposits | 61,720,000 | 67,314,000 | 71,121,000 | 73,427,000 |
| Noninterest-bearing deposits | 5,240,000 | 5,202,000 | 5,881,000 | 5,170,000 |
| Equity capital | 5,899,000 | 6,549,000 | 6,691,000 | 6,854,000 |
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 | 1,250,000 | 2,608,000 | 4,065,000 | 5,614,000 |
| Interest expense | 478,000 | 1,032,000 | 1,696,000 | 2,401,000 |
| Net interest income | 772,000 | 1,576,000 | 2,369,000 | 3,213,000 |
| Noninterest income | 162,000 | 338,000 | 530,000 | 694,000 |
| Noninterest expense | 709,000 | 1,441,000 | 2,188,000 | 2,892,000 |
| Provision for loan losses | 49,000 | 104,000 | 149,000 | 190,000 |
| Pretax income | 176,000 | 382,000 | 575,000 | 838,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 176,000 | 382,000 | 575,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,153,000 | 6,654,000 | 6,901,000 | 7,124,000 |
| Total capital | 6,929,000 | 7,495,000 | 7,777,000 | 8,000,000 |
| Risk-weighted assets | 61,992,000 | 67,216,000 | 70,041,000 | 70,057,000 |