Call reports 2018
KENTUCKY BANK — 2018
What KENTUCKY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,038,782,000 | 1,044,759,000 | 1,049,924,000 | 1,083,454,000 |
| Total loans | 651,066,000 | 670,783,000 | 689,437,000 | 687,346,000 |
| Allowance for loan losses | 7,905,000 | 8,184,000 | 8,199,000 | 8,127,000 |
| Securities available for sale | 305,928,000 | 290,485,000 | 278,555,000 | 315,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 820,934,000 | 807,359,000 | 826,497,000 | 857,327,000 |
| Interest-bearing deposits | 648,887,000 | 627,927,000 | 667,990,000 | 689,800,000 |
| Noninterest-bearing deposits | 172,047,000 | 179,432,000 | 158,507,000 | 167,527,000 |
| Equity capital | 103,210,000 | 103,534,000 | 103,426,000 | 107,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 10,213,000 | 20,754,000 | 31,486,000 | 42,591,000 |
| Interest expense | 1,305,000 | 2,691,000 | 4,356,000 | 6,284,000 |
| Net interest income | 8,908,000 | 18,063,000 | 27,130,000 | 36,307,000 |
| Noninterest income | 3,149,000 | 6,586,000 | 10,095,000 | 13,230,000 |
| Noninterest expense | 8,531,000 | 17,242,000 | 25,887,000 | 34,861,000 |
| Provision for loan losses | 0 | 250,000 | 400,000 | 500,000 |
| Pretax income | 3,482,000 | 7,109,000 | 10,900,000 | 14,151,000 |
| Income tax | 441,000 | 923,000 | 1,444,000 | 1,812,000 |
| Net income | 3,041,000 | 6,186,000 | 9,456,000 | 12,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,340,000 | 94,658,000 | 96,098,000 | 97,143,000 |
| Total capital | 101,327,000 | 102,923,000 | 104,377,000 | 105,345,000 |
| Risk-weighted assets | 684,483,000 | 697,421,000 | 718,649,000 | 718,698,000 |