Call reports 2005
KENTUCKY BANK — 2005
What KENTUCKY BANK 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 | 517,505,000 | 524,990,000 | 553,159,000 | 572,360,000 |
| Total loans | 359,522,000 | 366,840,000 | 359,738,000 | 370,912,000 |
| Allowance for loan losses | 4,327,000 | 4,431,000 | 4,510,000 | 4,310,000 |
| Securities available for sale | 121,294,000 | 119,860,000 | 133,323,000 | 160,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,835,000 | 386,119,000 | 415,931,000 | 433,221,000 |
| Interest-bearing deposits | 345,763,000 | 315,136,000 | 340,219,000 | 359,438,000 |
| Noninterest-bearing deposits | 28,072,000 | 70,983,000 | 75,712,000 | 73,783,000 |
| Equity capital | 50,002,000 | 51,614,000 | 51,521,000 | 51,699,000 |
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 | 6,715,000 | 13,746,000 | 21,064,000 | 28,884,000 |
| Interest expense | 2,375,000 | 4,901,000 | 7,853,000 | 11,271,000 |
| Net interest income | 4,340,000 | 8,845,000 | 13,211,000 | 17,613,000 |
| Noninterest income | 1,554,000 | 3,281,000 | 4,954,000 | 6,549,000 |
| Noninterest expense | 3,794,000 | 7,641,000 | 11,414,000 | 15,130,000 |
| Provision for loan losses | 250,000 | 417,000 | 583,000 | 583,000 |
| Pretax income | 1,850,000 | 4,062,000 | 6,173,000 | 8,454,000 |
| Income tax | 420,000 | 1,039,000 | 1,626,000 | 2,256,000 |
| Net income | 1,430,000 | 3,023,000 | 4,547,000 | 6,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,942,000 | 41,659,000 | 42,210,000 | 42,952,000 |
| Total capital | 45,278,000 | 46,051,000 | 46,627,000 | 47,346,000 |
| Risk-weighted assets | 347,377,000 | 350,323,000 | 352,567,000 | 365,565,000 |