Call reports 2009
PEOPLES BANK OF KENTUCKY, INC. — 2009
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 183,402,000 | 185,039,000 | 187,573,000 | 190,335,000 |
| Total loans | 144,276,000 | 145,352,000 | 150,913,000 | 152,319,000 |
| Allowance for loan losses | 2,168,000 | 2,263,000 | 2,263,000 | 2,397,000 |
| Securities available for sale | 23,735,000 | 22,656,000 | 21,737,000 | 17,621,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,416,000 | 153,655,000 | 155,496,000 | 157,812,000 |
| Interest-bearing deposits | 141,922,000 | 141,816,000 | 144,508,000 | 147,134,000 |
| Noninterest-bearing deposits | 10,494,000 | 11,839,000 | 10,988,000 | 10,678,000 |
| Equity capital | 22,887,000 | 22,929,000 | 23,459,000 | 23,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,611,000 | 5,277,000 | 7,856,000 | 10,508,000 |
| Interest expense | 915,000 | 1,763,000 | 2,596,000 | 3,336,000 |
| Net interest income | 1,696,000 | 3,514,000 | 5,260,000 | 7,172,000 |
| Noninterest income | 293,000 | 618,000 | 933,000 | 1,262,000 |
| Noninterest expense | 1,279,000 | 2,629,000 | 3,919,000 | 5,312,000 |
| Provision for loan losses | 188,000 | 375,000 | 563,000 | 750,000 |
| Pretax income | 522,000 | 1,128,000 | 1,711,000 | 2,372,000 |
| Income tax | 138,000 | 326,000 | 486,000 | 687,000 |
| Net income | 384,000 | 802,000 | 1,225,000 | 1,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,739,000 | 22,803,000 | 23,224,000 | 23,261,000 |
| Total capital | 24,451,000 | 24,514,000 | 25,012,000 | 25,056,000 |
| Risk-weighted assets | 136,467,000 | 136,304,000 | 142,555,000 | 142,979,000 |