Call reports 2013
KENTUCKY BANK — 2013
What KENTUCKY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 706,912,000 | 708,854,000 | 741,131,000 | 770,246,000 |
| Total loans | 422,454,000 | 452,664,000 | 465,778,000 | 468,878,000 |
| Allowance for loan losses | 5,623,000 | 5,498,000 | 5,501,000 | 5,441,000 |
| Securities available for sale | 222,984,000 | 196,416,000 | 210,321,000 | 230,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 595,303,000 | 576,577,000 | 574,459,000 | 618,460,000 |
| Interest-bearing deposits | 535,000,000 | 515,209,000 | 508,262,000 | 545,781,000 |
| Noninterest-bearing deposits | 60,303,000 | 61,368,000 | 66,197,000 | 72,679,000 |
| Equity capital | 80,109,000 | 76,271,000 | 75,263,000 | 73,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,955,000 | 13,793,000 | 20,898,000 | 28,168,000 |
| Interest expense | 759,000 | 1,516,000 | 2,318,000 | 3,218,000 |
| Net interest income | 6,196,000 | 12,277,000 | 18,580,000 | 24,950,000 |
| Noninterest income | 2,360,000 | 4,780,000 | 7,158,000 | 9,483,000 |
| Noninterest expense | 6,190,000 | 12,667,000 | 19,407,000 | 27,309,000 |
| Provision for loan losses | 450,000 | 600,000 | 850,000 | 1,050,000 |
| Pretax income | 2,205,000 | 4,564,000 | 6,255,000 | 7,041,000 |
| Income tax | 443,000 | 938,000 | 1,208,000 | 981,000 |
| Net income | 1,762,000 | 3,626,000 | 5,047,000 | 6,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,638,000 | 64,564,000 | 65,150,000 | 65,302,000 |
| Total capital | 69,351,000 | 70,148,000 | 70,736,000 | 70,827,000 |
| Risk-weighted assets | 465,656,000 | 483,958,000 | 498,275,000 | 510,733,000 |