Call reports 2009
KENTUCKY BANK — 2009
What KENTUCKY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 679,193,000 | 649,112,000 | 655,912,000 | 675,939,000 |
| Total loans | 415,638,000 | 417,556,000 | 427,921,000 | 425,610,000 |
| Allowance for loan losses | 5,999,000 | 6,373,000 | 6,338,000 | 7,600,000 |
| Securities available for sale | 205,866,000 | 172,055,000 | 169,538,000 | 168,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,670,000 | 494,502,000 | 496,767,000 | 536,881,000 |
| Interest-bearing deposits | 479,989,000 | 455,300,000 | 456,383,000 | 488,962,000 |
| Noninterest-bearing deposits | 46,681,000 | 39,202,000 | 40,384,000 | 47,919,000 |
| Equity capital | 68,248,000 | 68,175,000 | 72,417,000 | 70,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,197,000 | 16,105,000 | 24,016,000 | 31,929,000 |
| Interest expense | 3,338,000 | 6,473,000 | 9,372,000 | 12,133,000 |
| Net interest income | 4,859,000 | 9,632,000 | 14,644,000 | 19,796,000 |
| Noninterest income | 1,958,000 | 4,473,000 | 6,705,000 | 8,648,000 |
| Noninterest expense | 4,829,000 | 10,886,000 | 16,261,000 | 21,103,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 3,450,000 |
| Pretax income | 1,542,000 | 2,522,000 | 4,089,000 | 5,510,000 |
| Income tax | 301,000 | 265,000 | 409,000 | 347,000 |
| Net income | 1,241,000 | 2,257,000 | 3,680,000 | 5,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,580,000 | 57,766,000 | 53,850,000 | 54,869,000 |
| Total capital | 63,128,000 | 63,379,000 | 59,565,000 | 60,675,000 |
| Risk-weighted assets | 442,546,000 | 447,364,000 | 455,574,000 | 461,764,000 |