Call reports 2016
KENTUCKY BANK — 2016
What KENTUCKY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 988,677,000 | 991,632,000 | 988,652,000 | 1,025,918,000 |
| Total loans | 637,417,000 | 654,762,000 | 662,869,000 | 656,731,000 |
| Allowance for loan losses | 7,147,000 | 7,259,000 | 7,405,000 | 7,541,000 |
| Securities available for sale | 270,323,000 | 266,652,000 | 255,548,000 | 273,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,612,000 | 5,704,000 | 5,696,000 | 5,592,000 |
| Total deposits | 767,007,000 | 752,404,000 | 735,582,000 | 804,330,000 |
| Interest-bearing deposits | 666,601,000 | 639,840,000 | 617,873,000 | 658,795,000 |
| Noninterest-bearing deposits | 100,406,000 | 112,564,000 | 117,709,000 | 145,535,000 |
| Equity capital | 102,075,000 | 104,524,000 | 104,601,000 | 100,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,093,000 | 18,175,000 | 27,376,000 | 36,533,000 |
| Interest expense | 966,000 | 1,942,000 | 2,955,000 | 3,943,000 |
| Net interest income | 8,127,000 | 16,233,000 | 24,421,000 | 32,590,000 |
| Noninterest income | 2,676,000 | 5,757,000 | 9,004,000 | 11,889,000 |
| Noninterest expense | 8,549,000 | 17,184,000 | 26,157,000 | 34,517,000 |
| Provision for loan losses | 375,000 | 600,000 | 775,000 | 1,150,000 |
| Pretax income | 2,005,000 | 4,483,000 | 6,810,000 | 9,099,000 |
| Income tax | 268,000 | 694,000 | 782,000 | 1,002,000 |
| Net income | 1,737,000 | 3,789,000 | 6,028,000 | 8,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,053,000 | 85,877,000 | 86,771,000 | 87,493,000 |
| Total capital | 92,288,000 | 93,225,000 | 94,264,000 | 95,118,000 |
| Risk-weighted assets | 673,080,000 | 671,974,000 | 678,411,000 | 678,078,000 |