Call reports 2019
KENTUCKY BANK — 2019
What KENTUCKY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,084,628,000 | 1,080,711,000 | 1,079,519,000 | 1,107,663,000 |
| Total loans | 688,766,000 | 710,369,000 | 737,499,000 | 746,457,000 |
| Allowance for loan losses | 7,882,000 | 8,076,000 | 8,266,000 | 8,460,000 |
| Securities available for sale | 297,969,000 | 280,593,000 | 246,542,000 | 265,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 851,650,000 | 840,655,000 | 835,721,000 | 848,814,000 |
| Interest-bearing deposits | 679,094,000 | 668,967,000 | 655,221,000 | 665,595,000 |
| Noninterest-bearing deposits | 172,556,000 | 171,688,000 | 180,500,000 | 183,219,000 |
| Equity capital | 112,063,000 | 115,218,000 | 116,839,000 | 117,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,165,000 | 22,512,000 | 34,010,000 | 45,473,000 |
| Interest expense | 2,104,000 | 4,276,000 | 6,353,000 | 8,478,000 |
| Net interest income | 9,061,000 | 18,236,000 | 27,657,000 | 36,995,000 |
| Noninterest income | 2,902,000 | 6,214,000 | 9,695,000 | 13,374,000 |
| Noninterest expense | 8,905,000 | 17,776,000 | 26,630,000 | 35,765,000 |
| Provision for loan losses | 125,000 | 450,000 | 825,000 | 1,250,000 |
| Pretax income | 3,030,000 | 6,345,000 | 10,597,000 | 14,219,000 |
| Income tax | 277,000 | 757,000 | 1,450,000 | 1,635,000 |
| Net income | 2,753,000 | 5,588,000 | 9,147,000 | 12,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,605,000 | 99,621,000 | 101,353,000 | 102,759,000 |
| Total capital | 106,562,000 | 107,772,000 | 109,694,000 | 111,294,000 |
| Risk-weighted assets | 716,684,000 | 730,374,000 | 761,592,000 | 757,307,000 |