Call reports 2010
KENTUCKY BANK — 2010
What KENTUCKY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 741,643,000 | 688,105,000 | 665,977,000 | 658,623,000 |
| Total loans | 423,169,000 | 416,770,000 | 415,566,000 | 411,830,000 |
| Allowance for loan losses | 5,763,000 | 6,461,000 | 7,372,000 | 4,925,000 |
| Securities available for sale | 191,069,000 | 191,605,000 | 176,467,000 | 176,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 606,137,000 | 555,244,000 | 539,192,000 | 537,692,000 |
| Interest-bearing deposits | 562,360,000 | 492,681,000 | 492,454,000 | 486,339,000 |
| Noninterest-bearing deposits | 43,777,000 | 62,563,000 | 46,738,000 | 51,353,000 |
| Equity capital | 70,681,000 | 71,956,000 | 73,524,000 | 69,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,572,000 | 15,448,000 | 22,924,000 | 30,275,000 |
| Interest expense | 2,622,000 | 5,276,000 | 7,767,000 | 9,744,000 |
| Net interest income | 4,950,000 | 10,172,000 | 15,157,000 | 20,531,000 |
| Noninterest income | 1,825,000 | 4,076,000 | 6,327,000 | 8,807,000 |
| Noninterest expense | 5,242,000 | 10,636,000 | 16,303,000 | 22,240,000 |
| Provision for loan losses | 450,000 | 1,250,000 | 1,950,000 | 3,250,000 |
| Pretax income | 1,086,000 | 2,576,000 | 4,498,000 | 5,930,000 |
| Income tax | 81,000 | 308,000 | 579,000 | 709,000 |
| Net income | 1,005,000 | 2,268,000 | 3,919,000 | 5,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,202,000 | 55,836,000 | 56,659,000 | 57,131,000 |
| Total capital | 61,051,000 | 61,674,000 | 62,433,000 | 62,142,000 |
| Risk-weighted assets | 478,925,000 | 465,285,000 | 459,104,000 | 460,127,000 |