Call reports 2004
PEOPLES BANK OF KENTUCKY, INC. — 2004
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 143,960,000 | 153,292,000 | 159,826,000 | 167,086,000 |
| Total loans | 108,176,000 | 115,214,000 | 121,156,000 | 124,746,000 |
| Allowance for loan losses | 1,630,000 | 1,767,000 | 1,849,000 | 1,723,000 |
| Securities available for sale | 25,691,000 | 25,014,000 | 27,416,000 | 29,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,368,000 | 120,001,000 | 121,851,000 | 129,353,000 |
| Interest-bearing deposits | 109,865,000 | 110,605,000 | 112,779,000 | 120,586,000 |
| Noninterest-bearing deposits | 9,503,000 | 9,396,000 | 9,072,000 | 8,767,000 |
| Equity capital | 17,493,000 | 17,345,000 | 18,008,000 | 18,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,071,000 | 4,153,000 | 6,376,000 | 8,703,000 |
| Interest expense | 578,000 | 1,153,000 | 1,800,000 | 2,589,000 |
| Net interest income | 1,493,000 | 3,000,000 | 4,576,000 | 6,114,000 |
| Noninterest income | 222,000 | 452,000 | 698,000 | 944,000 |
| Noninterest expense | 965,000 | 1,912,000 | 2,837,000 | 3,899,000 |
| Provision for loan losses | 106,000 | 263,000 | 419,000 | 525,000 |
| Pretax income | 665,000 | 1,300,000 | 2,058,000 | 2,678,000 |
| Income tax | 194,000 | 411,000 | 651,000 | 788,000 |
| Net income | 471,000 | 889,000 | 1,407,000 | 1,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,211,000 | 17,389,000 | 17,907,000 | 18,030,000 |
| Total capital | 18,527,000 | 18,807,000 | 19,341,000 | 19,534,000 |
| Risk-weighted assets | 104,968,000 | 113,058,000 | 114,274,000 | 120,118,000 |