Call reports 2006
KENTUCKY BANK — 2006
What KENTUCKY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 557,559,000 | 552,562,000 | 632,441,000 | 630,014,000 |
| Total loans | 379,233,000 | 384,297,000 | 439,492,000 | 444,150,000 |
| Allowance for loan losses | 4,393,000 | 4,408,000 | 5,142,000 | 4,992,000 |
| Securities available for sale | 138,912,000 | 124,869,000 | 141,748,000 | 127,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,077,000 | 390,225,000 | 455,735,000 | 470,250,000 |
| Interest-bearing deposits | 380,016,000 | 363,264,000 | 427,260,000 | 440,156,000 |
| Noninterest-bearing deposits | 30,061,000 | 26,961,000 | 28,475,000 | 30,094,000 |
| Equity capital | 51,618,000 | 51,569,000 | 62,256,000 | 63,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,048,000 | 16,290,000 | 25,780,000 | 35,577,000 |
| Interest expense | 3,452,000 | 7,063,000 | 11,512,000 | 16,141,000 |
| Net interest income | 4,596,000 | 9,227,000 | 14,268,000 | 19,436,000 |
| Noninterest income | 1,579,000 | 3,314,000 | 5,337,000 | 7,413,000 |
| Noninterest expense | 3,966,000 | 7,685,000 | 12,117,000 | 16,648,000 |
| Provision for loan losses | 132,000 | 240,000 | 334,000 | 475,000 |
| Pretax income | 2,091,000 | 4,593,000 | 7,195,000 | 9,351,000 |
| Income tax | 617,000 | 1,338,000 | 2,060,000 | 2,634,000 |
| Net income | 1,474,000 | 3,255,000 | 5,135,000 | 6,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,619,000 | 44,303,000 | 48,384,000 | 48,299,000 |
| Total capital | 48,093,000 | 48,791,000 | 53,609,000 | 53,370,000 |
| Risk-weighted assets | 361,187,000 | 367,809,000 | 427,387,000 | 426,830,000 |