Call reports 2006
PEOPLES BANK OF KENTUCKY, INC. — 2006
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 166,585,000 | 169,195,000 | 173,993,000 | 179,001,000 |
| Total loans | 129,669,000 | 131,858,000 | 135,680,000 | 141,836,000 |
| Allowance for loan losses | 1,863,000 | 1,964,000 | 2,050,000 | 1,992,000 |
| Securities available for sale | 22,359,000 | 21,650,000 | 22,023,000 | 21,911,000 |
| Securities held to maturity | 0 | 0 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,941,000 | 139,484,000 | 143,399,000 | 147,882,000 |
| Interest-bearing deposits | 124,613,000 | 127,246,000 | 131,196,000 | 136,384,000 |
| Noninterest-bearing deposits | 12,328,000 | 12,238,000 | 12,203,000 | 11,498,000 |
| Equity capital | 19,937,000 | 20,103,000 | 20,806,000 | 20,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,733,000 | 5,610,000 | 8,670,000 | 11,861,000 |
| Interest expense | 992,000 | 2,104,000 | 3,313,000 | 4,676,000 |
| Net interest income | 1,741,000 | 3,506,000 | 5,357,000 | 7,185,000 |
| Noninterest income | 264,000 | 539,000 | 763,000 | 1,114,000 |
| Noninterest expense | 1,089,000 | 2,181,000 | 3,237,000 | 4,359,000 |
| Provision for loan losses | 138,000 | 275,000 | 412,000 | 562,000 |
| Pretax income | 779,000 | 1,591,000 | 2,513,000 | 3,420,000 |
| Income tax | 250,000 | 509,000 | 779,000 | 1,027,000 |
| Net income | 529,000 | 1,082,000 | 1,734,000 | 2,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,100,000 | 20,398,000 | 21,050,000 | 20,999,000 |
| Total capital | 21,657,000 | 21,992,000 | 22,681,000 | 22,690,000 |
| Risk-weighted assets | 124,249,000 | 127,184,000 | 130,078,000 | 134,948,000 |