Call reports 2012
KENTUCKY BANK — 2012
What KENTUCKY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 677,172,000 | 670,494,000 | 672,243,000 | 700,841,000 |
| Total loans | 413,052,000 | 421,491,000 | 426,763,000 | 430,461,000 |
| Allowance for loan losses | 5,994,000 | 5,789,000 | 6,017,000 | 6,047,000 |
| Securities available for sale | 190,133,000 | 184,942,000 | 182,956,000 | 192,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 563,207,000 | 543,580,000 | 541,305,000 | 591,257,000 |
| Interest-bearing deposits | 504,280,000 | 485,786,000 | 481,145,000 | 526,350,000 |
| Noninterest-bearing deposits | 58,927,000 | 57,794,000 | 60,160,000 | 64,907,000 |
| Equity capital | 77,203,000 | 79,755,000 | 80,590,000 | 80,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,162,000 | 14,483,000 | 21,420,000 | 28,233,000 |
| Interest expense | 980,000 | 1,871,000 | 2,659,000 | 3,438,000 |
| Net interest income | 6,182,000 | 12,612,000 | 18,761,000 | 24,795,000 |
| Noninterest income | 2,389,000 | 4,807,000 | 7,289,000 | 10,170,000 |
| Noninterest expense | 6,248,000 | 12,336,000 | 18,799,000 | 25,709,000 |
| Provision for loan losses | 450,000 | 1,000,000 | 1,600,000 | 2,050,000 |
| Pretax income | 2,033,000 | 4,354,000 | 6,538,000 | 9,041,000 |
| Income tax | 366,000 | 826,000 | 1,241,000 | 1,776,000 |
| Net income | 1,667,000 | 3,528,000 | 5,297,000 | 7,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,102,000 | 60,836,000 | 61,400,000 | 62,225,000 |
| Total capital | 65,902,000 | 66,633,000 | 67,216,000 | 68,093,000 |
| Risk-weighted assets | 462,534,000 | 462,291,000 | 463,555,000 | 467,861,000 |