Call reports 2005
BULLITT COUNTY BANK — 2005
What BULLITT COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 166,519,000 | 168,724,000 | 174,051,000 | 170,532,000 |
| Total loans | 142,959,000 | 145,255,000 | 156,476,000 | 154,614,000 |
| Allowance for loan losses | 1,896,000 | 1,944,000 | 1,933,000 | 1,967,000 |
| Securities available for sale | 7,133,000 | 8,476,000 | 7,666,000 | 6,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,367,000 | 139,438,000 | 139,427,000 | 135,488,000 |
| Interest-bearing deposits | 115,078,000 | 118,841,000 | 118,799,000 | 116,797,000 |
| Noninterest-bearing deposits | 22,288,000 | 20,596,000 | 20,628,000 | 18,692,000 |
| Equity capital | 14,830,000 | 15,258,000 | 15,577,000 | 15,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,587,000 | 5,391,000 | 8,334,000 | 11,744,000 |
| Interest expense | 784,000 | 1,676,000 | 2,628,000 | 3,723,000 |
| Net interest income | 1,803,000 | 3,715,000 | 5,706,000 | 8,021,000 |
| Noninterest income | 216,000 | 470,000 | 725,000 | 960,000 |
| Noninterest expense | 830,000 | 1,683,000 | 2,508,000 | 3,361,000 |
| Provision for loan losses | 240,000 | 360,000 | 545,000 | 1,200,000 |
| Pretax income | 949,000 | 2,150,000 | 3,386,000 | 4,428,000 |
| Income tax | 319,000 | 724,000 | 1,138,000 | 1,487,000 |
| Net income | 630,000 | 1,426,000 | 2,248,000 | 2,941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,901,000 | 15,296,000 | 15,618,000 | 15,812,000 |
| Total capital | 16,697,000 | 17,112,000 | 17,551,000 | 17,656,000 |
| Risk-weighted assets | 143,541,000 | 145,185,000 | 156,594,000 | 147,388,000 |