Call reports 2010
PEOPLES BANK OF KENTUCKY, INC. — 2010
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 191,340,000 | 185,874,000 | 185,346,000 | 185,354,000 |
| Total loans | 148,379,000 | 147,101,000 | 146,406,000 | 147,543,000 |
| Allowance for loan losses | 2,085,000 | 2,215,000 | 2,182,000 | 2,216,000 |
| Securities available for sale | 22,109,000 | 21,194,000 | 20,214,000 | 19,630,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,989,000 | 155,058,000 | 154,122,000 | 153,909,000 |
| Interest-bearing deposits | 148,532,000 | 142,524,000 | 140,755,000 | 141,882,000 |
| Noninterest-bearing deposits | 12,457,000 | 12,534,000 | 13,367,000 | 12,027,000 |
| Equity capital | 23,953,000 | 24,134,000 | 24,667,000 | 24,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,647,000 | 5,196,000 | 7,686,000 | 10,175,000 |
| Interest expense | 671,000 | 1,278,000 | 1,812,000 | 2,293,000 |
| Net interest income | 1,976,000 | 3,918,000 | 5,874,000 | 7,882,000 |
| Noninterest income | 280,000 | 532,000 | 855,000 | 1,087,000 |
| Noninterest expense | 1,430,000 | 2,687,000 | 3,932,000 | 5,327,000 |
| Provision for loan losses | 225,000 | 450,000 | 825,000 | 975,000 |
| Pretax income | 602,000 | 1,315,000 | 1,974,000 | 2,669,000 |
| Income tax | 109,000 | 398,000 | 570,000 | 707,000 |
| Net income | 493,000 | 917,000 | 1,404,000 | 1,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,754,000 | 23,896,000 | 24,381,000 | 24,509,000 |
| Total capital | 25,628,000 | 25,738,000 | 26,220,000 | 26,326,000 |
| Risk-weighted assets | 149,726,000 | 147,005,000 | 146,738,000 | 144,966,000 |