Call reports 2008
PEOPLES BANK OF KENTUCKY, INC. — 2008
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 188,023,000 | 180,387,000 | 178,436,000 | 184,718,000 |
| Total loans | 145,003,000 | 142,278,000 | 144,089,000 | 144,085,000 |
| Allowance for loan losses | 1,903,000 | 1,865,000 | 2,039,000 | 2,144,000 |
| Securities available for sale | 22,080,000 | 19,839,000 | 20,542,000 | 22,809,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,853,000 | 149,134,000 | 147,366,000 | 153,641,000 |
| Interest-bearing deposits | 143,505,000 | 137,454,000 | 135,374,000 | 143,186,000 |
| Noninterest-bearing deposits | 12,348,000 | 11,680,000 | 11,992,000 | 10,455,000 |
| Equity capital | 22,284,000 | 22,179,000 | 22,430,000 | 22,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,174,000 | 6,047,000 | 8,847,000 | 11,625,000 |
| Interest expense | 1,432,000 | 2,606,000 | 3,711,000 | 4,820,000 |
| Net interest income | 1,742,000 | 3,441,000 | 5,136,000 | 6,805,000 |
| Noninterest income | 285,000 | 718,000 | 1,083,000 | 1,437,000 |
| Noninterest expense | 1,223,000 | 2,335,000 | 3,418,000 | 4,641,000 |
| Provision for loan losses | 125,000 | 500,000 | 1,085,000 | 1,610,000 |
| Pretax income | 705,000 | 1,356,000 | 1,746,000 | 2,021,000 |
| Income tax | 193,000 | 425,000 | 530,000 | 503,000 |
| Net income | 512,000 | 931,000 | 1,216,000 | 1,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,173,000 | 22,261,000 | 22,546,000 | 22,355,000 |
| Total capital | 23,906,000 | 23,942,000 | 24,241,000 | 24,062,000 |
| Risk-weighted assets | 138,464,000 | 134,324,000 | 135,249,000 | 136,143,000 |