Call reports 2007
KENTUCKY BANK — 2007
What KENTUCKY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 641,841,000 | 643,027,000 | 611,903,000 | 630,847,000 |
| Total loans | 441,488,000 | 430,667,000 | 423,384,000 | 417,388,000 |
| Allowance for loan losses | 5,043,000 | 4,956,000 | 4,781,000 | 4,879,000 |
| Securities available for sale | 131,557,000 | 124,532,000 | 125,576,000 | 147,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,313,000 | 493,337,000 | 463,410,000 | 486,247,000 |
| Interest-bearing deposits | 460,243,000 | 461,591,000 | 436,993,000 | 448,600,000 |
| Noninterest-bearing deposits | 26,070,000 | 31,746,000 | 26,417,000 | 37,647,000 |
| Equity capital | 62,810,000 | 62,423,000 | 64,175,000 | 65,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,805,000 | 19,839,000 | 29,641,000 | 39,218,000 |
| Interest expense | 4,693,000 | 9,450,000 | 13,969,000 | 18,503,000 |
| Net interest income | 5,112,000 | 10,389,000 | 15,672,000 | 20,715,000 |
| Noninterest income | 1,868,000 | 3,976,000 | 6,042,000 | 8,118,000 |
| Noninterest expense | 4,550,000 | 8,937,000 | 13,554,000 | 18,222,000 |
| Provision for loan losses | 150,000 | 320,000 | 650,000 | 1,000,000 |
| Pretax income | 2,279,000 | 5,111,000 | 7,543,000 | 9,648,000 |
| Income tax | 613,000 | 1,416,000 | 2,073,000 | 2,628,000 |
| Net income | 1,666,000 | 3,695,000 | 5,470,000 | 7,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,058,000 | 50,079,000 | 50,647,000 | 51,387,000 |
| Total capital | 54,184,000 | 55,116,000 | 55,511,000 | 56,350,000 |
| Risk-weighted assets | 426,256,000 | 419,896,000 | 414,494,000 | 414,129,000 |