Call reports 2008
KENTUCKY BANK — 2008
What KENTUCKY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 633,263,000 | 636,169,000 | 636,282,000 | 678,908,000 |
| Total loans | 410,840,000 | 418,900,000 | 420,592,000 | 424,277,000 |
| Allowance for loan losses | 5,091,000 | 5,394,000 | 5,758,000 | 5,465,000 |
| Securities available for sale | 153,570,000 | 160,943,000 | 145,115,000 | 172,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,112,000 | 455,326,000 | 471,754,000 | 521,033,000 |
| Interest-bearing deposits | 453,807,000 | 412,400,000 | 432,020,000 | 478,622,000 |
| Noninterest-bearing deposits | 35,305,000 | 42,926,000 | 39,734,000 | 42,411,000 |
| Equity capital | 66,553,000 | 65,829,000 | 65,619,000 | 66,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,253,000 | 17,928,000 | 26,716,000 | 35,128,000 |
| Interest expense | 4,230,000 | 7,727,000 | 11,255,000 | 14,795,000 |
| Net interest income | 5,023,000 | 10,201,000 | 15,461,000 | 20,333,000 |
| Noninterest income | 1,956,000 | 4,008,000 | 5,957,000 | 7,648,000 |
| Noninterest expense | 4,885,000 | 9,486,000 | 14,162,000 | 19,800,000 |
| Provision for loan losses | 400,000 | 900,000 | 1,500,000 | 3,700,000 |
| Pretax income | 1,701,000 | 3,838,000 | 5,777,000 | 5,139,000 |
| Income tax | 380,000 | 901,000 | 1,351,000 | 937,000 |
| Net income | 1,321,000 | 2,937,000 | 4,426,000 | 4,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,809,000 | 52,723,000 | 53,312,000 | 57,066,000 |
| Total capital | 56,985,000 | 58,166,000 | 58,801,000 | 62,615,000 |
| Risk-weighted assets | 424,288,000 | 435,163,000 | 438,105,000 | 444,910,000 |