Call reports 2007
PEOPLES BANK OF KENTUCKY, INC. — 2007
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 185,216,000 | 181,591,000 | 183,157,000 | 187,064,000 |
| Total loans | 141,730,000 | 142,213,000 | 145,398,000 | 145,569,000 |
| Allowance for loan losses | 1,849,000 | 1,921,000 | 1,901,000 | 1,968,000 |
| Securities available for sale | 23,311,000 | 24,160,000 | 23,675,000 | 21,196,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,604,000 | 151,080,000 | 151,525,000 | 154,614,000 |
| Interest-bearing deposits | 142,907,000 | 140,345,000 | 139,308,000 | 144,013,000 |
| Noninterest-bearing deposits | 11,697,000 | 10,735,000 | 12,217,000 | 10,601,000 |
| Equity capital | 21,324,000 | 21,312,000 | 22,071,000 | 22,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,157,000 | 6,385,000 | 9,722,000 | 13,137,000 |
| Interest expense | 1,413,000 | 2,887,000 | 4,385,000 | 5,911,000 |
| Net interest income | 1,744,000 | 3,498,000 | 5,337,000 | 7,226,000 |
| Noninterest income | 268,000 | 543,000 | 850,000 | 1,189,000 |
| Noninterest expense | 1,201,000 | 2,476,000 | 3,623,000 | 4,900,000 |
| Provision for loan losses | 181,000 | 446,000 | 627,000 | 848,000 |
| Pretax income | 631,000 | 1,120,000 | 1,939,000 | 2,669,000 |
| Income tax | 281,000 | 408,000 | 588,000 | 731,000 |
| Net income | 350,000 | 712,000 | 1,351,000 | 1,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,349,000 | 21,447,000 | 22,086,000 | 22,147,000 |
| Total capital | 23,024,000 | 23,140,000 | 23,824,000 | 23,875,000 |
| Risk-weighted assets | 133,849,000 | 135,183,000 | 138,854,000 | 138,038,000 |