Call reports 2008
CENTURY BANK OF KENTUCKY, INC. — 2008
What CENTURY BANK OF KENTUCKY, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 134,195,000 | 131,914,000 | 128,873,000 | 130,514,000 |
| Total loans | 96,818,000 | 97,734,000 | 93,767,000 | 90,017,000 |
| Allowance for loan losses | 1,296,000 | 2,541,000 | 2,105,000 | 2,432,000 |
| Securities available for sale | 25,813,000 | 26,442,000 | 25,924,000 | 24,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,426,000 | 108,879,000 | 104,932,000 | 107,448,000 |
| Interest-bearing deposits | 102,252,000 | 100,679,000 | 96,784,000 | 101,701,000 |
| Noninterest-bearing deposits | 7,174,000 | 8,201,000 | 8,148,000 | 5,747,000 |
| Equity capital | 11,316,000 | 9,403,000 | 9,713,000 | 10,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,195,000 | 4,380,000 | 6,344,000 | 8,230,000 |
| Interest expense | 1,167,000 | 2,215,000 | 3,135,000 | 4,021,000 |
| Net interest income | 1,028,000 | 2,165,000 | 3,209,000 | 4,209,000 |
| Noninterest income | 217,000 | 432,000 | 652,000 | 856,000 |
| Noninterest expense | 962,000 | 1,950,000 | 2,976,000 | 3,897,000 |
| Provision for loan losses | 125,000 | 1,758,000 | 1,835,000 | 2,472,000 |
| Pretax income | 303,000 | -941,000 | -780,000 | -1,134,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 303,000 | -941,000 | -780,000 | -1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,026,000 | 9,781,000 | 9,943,000 | 9,849,000 |
| Total capital | 12,191,000 | 10,934,000 | 11,036,000 | 10,918,000 |
| Risk-weighted assets | 93,071,000 | 90,837,000 | 86,426,000 | 84,153,000 |