Call reports 2005
PEOPLES BANK OF KENTUCKY, INC. — 2005
What PEOPLES BANK OF KENTUCKY, INC. 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 | 164,770,000 | 166,894,000 | 165,128,000 | 167,639,000 |
| Total loans | 125,917,000 | 127,793,000 | 129,844,000 | 129,701,000 |
| Allowance for loan losses | 1,781,000 | 1,830,000 | 1,904,000 | 1,740,000 |
| Securities available for sale | 28,868,000 | 23,672,000 | 25,104,000 | 23,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,775,000 | 132,920,000 | 134,669,000 | 137,307,000 |
| Interest-bearing deposits | 118,196,000 | 122,642,000 | 124,195,000 | 126,252,000 |
| Noninterest-bearing deposits | 9,579,000 | 10,278,000 | 10,474,000 | 11,055,000 |
| Equity capital | 18,243,000 | 18,670,000 | 19,164,000 | 19,439,000 |
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 | 2,327,000 | 4,830,000 | 7,384,000 | 10,099,000 |
| Interest expense | 830,000 | 1,726,000 | 2,670,000 | 3,724,000 |
| Net interest income | 1,497,000 | 3,104,000 | 4,714,000 | 6,375,000 |
| Noninterest income | 231,000 | 533,000 | 835,000 | 1,153,000 |
| Noninterest expense | 1,092,000 | 2,074,000 | 2,992,000 | 3,951,000 |
| Provision for loan losses | 131,000 | 263,000 | 394,000 | 519,000 |
| Pretax income | 511,000 | 1,309,000 | 2,175,000 | 3,056,000 |
| Income tax | 157,000 | 407,000 | 703,000 | 870,000 |
| Net income | 354,000 | 902,000 | 1,472,000 | 2,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,384,000 | 18,684,000 | 19,254,000 | 19,571,000 |
| Total capital | 19,893,000 | 20,221,000 | 20,783,000 | 21,122,000 |
| Risk-weighted assets | 120,450,000 | 122,674,000 | 121,909,000 | 123,804,000 |