Call reports 2014
KENTUCKY BANK — 2014
What KENTUCKY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 782,467,000 | 784,992,000 | 792,683,000 | 854,298,000 |
| Total loans | 474,161,000 | 496,629,000 | 511,748,000 | 539,081,000 |
| Allowance for loan losses | 5,616,000 | 5,614,000 | 5,706,000 | 6,012,000 |
| Securities available for sale | 236,344,000 | 224,148,000 | 214,123,000 | 246,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,108,000 | 5,242,000 | 5,325,000 | 5,370,000 |
| Total deposits | 629,163,000 | 598,878,000 | 589,768,000 | 656,444,000 |
| Interest-bearing deposits | 555,580,000 | 526,870,000 | 519,275,000 | 575,754,000 |
| Noninterest-bearing deposits | 73,583,000 | 72,008,000 | 70,493,000 | 80,690,000 |
| Equity capital | 77,816,000 | 80,411,000 | 81,048,000 | 82,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,282,000 | 14,688,000 | 22,170,000 | 29,728,000 |
| Interest expense | 876,000 | 1,745,000 | 2,632,000 | 3,526,000 |
| Net interest income | 6,406,000 | 12,943,000 | 19,538,000 | 26,202,000 |
| Noninterest income | 2,165,000 | 4,651,000 | 7,220,000 | 9,532,000 |
| Noninterest expense | 6,506,000 | 13,198,000 | 20,357,000 | 27,578,000 |
| Provision for loan losses | 100,000 | 200,000 | 500,000 | 950,000 |
| Pretax income | 2,153,000 | 4,629,000 | 6,415,000 | 8,172,000 |
| Income tax | 323,000 | 760,000 | 837,000 | 1,106,000 |
| Net income | 1,830,000 | 3,869,000 | 5,578,000 | 7,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,386,000 | 67,278,000 | 67,839,000 | 68,476,000 |
| Total capital | 72,083,000 | 72,978,000 | 73,630,000 | 74,575,000 |
| Risk-weighted assets | 519,515,000 | 528,923,000 | 546,019,000 | 589,804,000 |