Call reports 2015
KENTUCKY BANK — 2015
What KENTUCKY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 855,035,000 | 851,343,000 | 931,054,000 | 972,166,000 |
| Total loans | 539,584,000 | 547,804,000 | 614,024,000 | 624,744,000 |
| Allowance for loan losses | 5,920,000 | 5,950,000 | 6,142,000 | 6,521,000 |
| Securities available for sale | 249,456,000 | 237,456,000 | 238,530,000 | 264,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,409,000 | 5,400,000 | 5,480,000 | 5,531,000 |
| Total deposits | 662,546,000 | 645,907,000 | 711,517,000 | 759,527,000 |
| Interest-bearing deposits | 576,901,000 | 563,914,000 | 614,351,000 | 658,382,000 |
| Noninterest-bearing deposits | 85,645,000 | 81,993,000 | 97,166,000 | 101,145,000 |
| Equity capital | 84,021,000 | 82,853,000 | 98,514,000 | 98,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,729,000 | 15,562,000 | 24,201,000 | 33,173,000 |
| Interest expense | 911,000 | 1,825,000 | 2,758,000 | 3,703,000 |
| Net interest income | 6,818,000 | 13,737,000 | 21,443,000 | 29,470,000 |
| Noninterest income | 2,252,000 | 4,885,000 | 8,776,000 | 11,372,000 |
| Noninterest expense | 7,379,000 | 14,512,000 | 23,717,000 | 32,259,000 |
| Provision for loan losses | 300,000 | 650,000 | 1,025,000 | 1,450,000 |
| Pretax income | 1,399,000 | 3,711,000 | 5,887,000 | 7,545,000 |
| Income tax | 49,000 | 403,000 | 689,000 | 795,000 |
| Net income | 1,350,000 | 3,308,000 | 5,198,000 | 6,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,137,000 | 70,136,000 | 83,614,000 | 84,248,000 |
| Total capital | 75,145,000 | 76,172,000 | 89,843,000 | 90,855,000 |
| Risk-weighted assets | 602,148,000 | 603,728,000 | 657,548,000 | 663,154,000 |