Call reports 2003
KENTUCKY BANK — 2003
What KENTUCKY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 408,237,000 | 403,885,000 | 410,275,000 | 499,290,000 |
| Total loans | 284,927,000 | 287,368,000 | 284,865,000 | 320,761,000 |
| Allowance for loan losses | 3,439,000 | 3,041,000 | 3,166,000 | 3,820,000 |
| Securities available for sale | 94,868,000 | 88,659,000 | 95,707,000 | 127,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,521,000 | 311,383,000 | 318,883,000 | 386,382,000 |
| Interest-bearing deposits | 301,320,000 | 285,357,000 | 296,508,000 | 361,082,000 |
| Noninterest-bearing deposits | 19,201,000 | 26,026,000 | 22,375,000 | 25,300,000 |
| Equity capital | 37,888,000 | 38,592,000 | 38,628,000 | 49,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,656,000 | 11,263,000 | 16,602,000 | 22,309,000 |
| Interest expense | 2,042,000 | 3,968,000 | 5,762,000 | 7,706,000 |
| Net interest income | 3,614,000 | 7,295,000 | 10,840,000 | 14,603,000 |
| Noninterest income | 1,699,000 | 3,352,000 | 5,026,000 | 6,407,000 |
| Noninterest expense | 3,427,000 | 6,829,000 | 10,123,000 | 13,650,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 1,300,000 |
| Pretax income | 1,679,000 | 3,388,000 | 5,192,000 | 6,192,000 |
| Income tax | 484,000 | 972,000 | 1,418,000 | 1,632,000 |
| Net income | 1,195,000 | 2,416,000 | 3,774,000 | 4,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,501,000 | 35,991,000 | 36,711,000 | 36,673,000 |
| Total capital | 38,953,000 | 39,047,000 | 39,890,000 | 40,503,000 |
| Risk-weighted assets | 285,174,000 | 278,642,000 | 277,431,000 | 315,626,000 |