Call reports 2017
KENTUCKY BANK — 2017
What KENTUCKY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,047,402,000 | 1,018,439,000 | 1,008,510,000 | 1,050,914,000 |
| Total loans | 658,755,000 | 652,574,000 | 650,320,000 | 649,766,000 |
| Allowance for loan losses | 7,876,000 | 7,958,000 | 7,794,000 | 7,720,000 |
| Securities available for sale | 301,858,000 | 297,716,000 | 289,886,000 | 318,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,644,000 | 5,702,000 | 5,714,000 | 0 |
| Total deposits | 825,843,000 | 786,267,000 | 751,844,000 | 818,867,000 |
| Interest-bearing deposits | 645,934,000 | 606,972,000 | 588,143,000 | 647,901,000 |
| Noninterest-bearing deposits | 179,909,000 | 179,295,000 | 163,701,000 | 170,966,000 |
| Equity capital | 103,400,000 | 105,202,000 | 105,894,000 | 105,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 9,371,000 | 18,949,000 | 28,661,000 | 38,634,000 |
| Interest expense | 1,068,000 | 2,165,000 | 3,337,000 | 4,515,000 |
| Net interest income | 8,303,000 | 16,784,000 | 25,324,000 | 34,119,000 |
| Noninterest income | 4,439,000 | 7,620,000 | 10,768,000 | 13,859,000 |
| Noninterest expense | 8,401,000 | 17,018,000 | 25,520,000 | 33,725,000 |
| Provision for loan losses | 350,000 | 550,000 | 650,000 | 500,000 |
| Pretax income | 3,991,000 | 6,879,000 | 10,025,000 | 13,805,000 |
| Income tax | 914,000 | 1,474,000 | 2,121,000 | 3,418,000 |
| Net income | 3,077,000 | 5,405,000 | 7,904,000 | 10,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,362,000 | 89,754,000 | 90,814,000 | 91,720,000 |
| Total capital | 97,322,000 | 97,796,000 | 98,693,000 | 99,524,000 |
| Risk-weighted assets | 685,069,000 | 679,094,000 | 705,873,000 | 682,260,000 |