Call reports 2002
KENTUCKY BANK — 2002
What KENTUCKY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 391,836,000 | 393,245,000 | 395,709,000 | 418,603,000 |
| Total loans | 273,714,000 | 283,262,000 | 285,367,000 | 284,994,000 |
| Allowance for loan losses | 3,468,000 | 3,840,000 | 3,349,000 | 3,395,000 |
| Securities available for sale | 86,091,000 | 84,645,000 | 83,525,000 | 88,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,766,000 | 305,893,000 | 308,329,000 | 328,445,000 |
| Interest-bearing deposits | 291,948,000 | 287,033,000 | 288,225,000 | 297,996,000 |
| Noninterest-bearing deposits | 15,818,000 | 18,860,000 | 20,104,000 | 30,449,000 |
| Equity capital | 34,396,000 | 35,274,000 | 36,813,000 | 37,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,265,000 | 12,450,000 | 18,628,000 | 24,756,000 |
| Interest expense | 2,607,000 | 5,016,000 | 7,225,000 | 9,368,000 |
| Net interest income | 3,658,000 | 7,434,000 | 11,403,000 | 15,388,000 |
| Noninterest income | 1,345,000 | 2,762,000 | 4,373,000 | 6,377,000 |
| Noninterest expense | 2,980,000 | 6,058,000 | 9,099,000 | 12,383,000 |
| Provision for loan losses | 201,000 | 702,000 | 1,003,000 | 1,204,000 |
| Pretax income | 1,861,000 | 3,503,000 | 5,772,000 | 8,252,000 |
| Income tax | 563,000 | 1,058,000 | 1,724,000 | 2,442,000 |
| Net income | 1,298,000 | 2,445,000 | 4,048,000 | 5,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,976,000 | 33,393,000 | 34,291,000 | 35,017,000 |
| Total capital | 36,448,000 | 37,022,000 | 37,654,000 | 38,425,000 |
| Risk-weighted assets | 280,972,000 | 289,452,000 | 284,422,000 | 289,552,000 |