Call reports 2003
PEOPLES BANK OF KENTUCKY, INC. — 2003
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 141,228,000 | 143,557,000 | 142,113,000 | 142,839,000 |
| Total loans | 102,872,000 | 104,448,000 | 104,074,000 | 107,178,000 |
| Allowance for loan losses | 1,442,000 | 1,529,000 | 1,554,000 | 1,624,000 |
| Securities available for sale | 25,034,000 | 24,961,000 | 26,017,000 | 26,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,788,000 | 118,955,000 | 117,225,000 | 117,810,000 |
| Interest-bearing deposits | 108,237,000 | 109,731,000 | 108,126,000 | 108,799,000 |
| Noninterest-bearing deposits | 8,551,000 | 9,224,000 | 9,099,000 | 9,011,000 |
| Equity capital | 16,857,000 | 16,974,000 | 17,127,000 | 16,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,141,000 | 4,205,000 | 6,284,000 | 8,382,000 |
| Interest expense | 733,000 | 1,441,000 | 2,117,000 | 2,739,000 |
| Net interest income | 1,408,000 | 2,764,000 | 4,167,000 | 5,643,000 |
| Noninterest income | 212,000 | 418,000 | 637,000 | 838,000 |
| Noninterest expense | 843,000 | 1,817,000 | 2,649,000 | 3,463,000 |
| Provision for loan losses | 71,000 | 213,000 | 319,000 | 425,000 |
| Pretax income | 713,000 | 1,165,000 | 1,852,000 | 2,613,000 |
| Income tax | 211,000 | 332,000 | 572,000 | 835,000 |
| Net income | 502,000 | 833,000 | 1,280,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,402,000 | 16,499,000 | 16,947,000 | 16,740,000 |
| Total capital | 17,685,000 | 17,728,000 | 18,165,000 | 18,045,000 |
| Risk-weighted assets | 102,474,000 | 98,012,000 | 97,046,000 | 104,119,000 |