Call reports 2011
KENTUCKY BANK — 2011
What KENTUCKY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 656,608,000 | 648,552,000 | 633,724,000 | 659,728,000 |
| Total loans | 414,232,000 | 409,030,000 | 409,164,000 | 412,492,000 |
| Allowance for loan losses | 5,641,000 | 5,642,000 | 5,664,000 | 5,842,000 |
| Securities available for sale | 176,298,000 | 173,591,000 | 158,048,000 | 180,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 539,138,000 | 517,530,000 | 508,173,000 | 543,134,000 |
| Interest-bearing deposits | 482,420,000 | 466,677,000 | 455,155,000 | 486,864,000 |
| Noninterest-bearing deposits | 56,718,000 | 50,853,000 | 53,018,000 | 56,270,000 |
| Equity capital | 71,526,000 | 73,849,000 | 76,380,000 | 76,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,458,000 | 15,139,000 | 22,604,000 | 29,889,000 |
| Interest expense | 1,563,000 | 2,953,000 | 4,179,000 | 5,269,000 |
| Net interest income | 5,895,000 | 12,186,000 | 18,425,000 | 24,620,000 |
| Noninterest income | 1,976,000 | 4,051,000 | 6,366,000 | 8,600,000 |
| Noninterest expense | 5,568,000 | 11,688,000 | 17,849,000 | 24,945,000 |
| Provision for loan losses | 750,000 | 1,450,000 | 1,900,000 | 2,450,000 |
| Pretax income | 1,556,000 | 3,323,000 | 5,532,000 | 6,989,000 |
| Income tax | 236,000 | 513,000 | 914,000 | 1,070,000 |
| Net income | 1,320,000 | 2,810,000 | 4,618,000 | 5,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,722,000 | 58,268,000 | 59,201,000 | 59,476,000 |
| Total capital | 63,449,000 | 63,976,000 | 64,867,000 | 65,232,000 |
| Risk-weighted assets | 461,201,000 | 455,322,000 | 451,887,000 | 459,135,000 |