Call reports 2004
KENTUCKY BANK — 2004
What KENTUCKY BANK 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 | 519,038,000 | 515,452,000 | 506,474,000 | 527,551,000 |
| Total loans | 320,615,000 | 341,593,000 | 351,613,000 | 358,457,000 |
| Allowance for loan losses | 3,937,000 | 4,093,000 | 4,261,000 | 4,163,000 |
| Securities available for sale | 155,886,000 | 131,886,000 | 117,336,000 | 126,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,837,000 | 381,464,000 | 365,755,000 | 388,676,000 |
| Interest-bearing deposits | 363,184,000 | 353,093,000 | 345,267,000 | 352,412,000 |
| Noninterest-bearing deposits | 24,653,000 | 28,371,000 | 20,488,000 | 36,264,000 |
| Equity capital | 50,394,000 | 48,244,000 | 50,252,000 | 50,481,000 |
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 | 6,260,000 | 12,719,000 | 19,217,000 | 25,822,000 |
| Interest expense | 2,073,000 | 4,146,000 | 6,277,000 | 8,573,000 |
| Net interest income | 4,187,000 | 8,573,000 | 12,940,000 | 17,249,000 |
| Noninterest income | 1,546,000 | 3,262,000 | 4,909,000 | 6,507,000 |
| Noninterest expense | 3,792,000 | 7,498,000 | 11,125,000 | 14,598,000 |
| Provision for loan losses | 255,000 | 450,000 | 620,000 | 840,000 |
| Pretax income | 1,702,000 | 3,957,000 | 6,299,000 | 8,525,000 |
| Income tax | 455,000 | 1,110,000 | 1,799,000 | 2,395,000 |
| Net income | 1,247,000 | 2,847,000 | 4,500,000 | 6,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,236,000 | 38,046,000 | 39,249,000 | 40,337,000 |
| Total capital | 41,185,000 | 42,148,000 | 43,520,000 | 44,511,000 |
| Risk-weighted assets | 320,322,000 | 330,475,000 | 340,775,000 | 347,493,000 |
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