Call reports 2020
KENTUCKY BANK — 2020
What KENTUCKY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,140,237,000 | 1,243,751,000 | 1,196,581,000 | 1,236,230,000 |
| Total loans | 783,317,000 | 814,645,000 | 791,525,000 | 771,298,000 |
| Allowance for loan losses | 9,916,000 | 10,389,000 | 10,094,000 | 9,897,000 |
| Securities available for sale | 247,187,000 | 251,586,000 | 291,876,000 | 353,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 859,874,000 | 950,931,000 | 938,444,000 | 987,421,000 |
| Interest-bearing deposits | 683,085,000 | 729,885,000 | 712,865,000 | 752,952,000 |
| Noninterest-bearing deposits | 176,789,000 | 221,046,000 | 225,579,000 | 234,469,000 |
| Equity capital | 115,624,000 | 120,027,000 | 122,126,000 | 123,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 11,119,000 | 21,983,000 | 32,154,000 | 42,632,000 |
| Interest expense | 2,058,000 | 3,786,000 | 5,203,000 | 6,435,000 |
| Net interest income | 9,061,000 | 18,197,000 | 26,951,000 | 36,197,000 |
| Noninterest income | 3,445,000 | 7,211,000 | 11,355,000 | 15,625,000 |
| Noninterest expense | 9,427,000 | 18,867,000 | 28,380,000 | 38,135,000 |
| Provision for loan losses | 1,625,000 | 2,125,000 | 1,875,000 | 1,775,000 |
| Pretax income | 1,570,000 | 4,767,000 | 8,403,000 | 12,263,000 |
| Income tax | -21,000 | 211,000 | 555,000 | 1,034,000 |
| Net income | 1,591,000 | 4,556,000 | 7,848,000 | 11,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,101,000 | 105,143,000 | 106,408,000 | 107,805,000 |