Call reports 2011
PEOPLES BANK OF KENTUCKY, INC. — 2011
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 184,056,000 | 183,977,000 | 188,462,000 | 191,634,000 |
| Total loans | 145,674,000 | 148,009,000 | 149,218,000 | 152,234,000 |
| Allowance for loan losses | 2,407,000 | 2,485,000 | 2,551,000 | 2,343,000 |
| Securities available for sale | 20,658,000 | 19,042,000 | 19,308,000 | 23,710,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,155,000 | 149,595,000 | 149,307,000 | 158,490,000 |
| Interest-bearing deposits | 140,358,000 | 136,500,000 | 136,839,000 | 145,562,000 |
| Noninterest-bearing deposits | 12,797,000 | 13,095,000 | 12,468,000 | 12,928,000 |
| Equity capital | 25,129,000 | 25,393,000 | 26,164,000 | 26,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,397,000 | 4,821,000 | 7,239,000 | 9,639,000 |
| Interest expense | 428,000 | 810,000 | 1,179,000 | 1,539,000 |
| Net interest income | 1,969,000 | 4,011,000 | 6,060,000 | 8,100,000 |
| Noninterest income | 328,000 | 647,000 | 1,009,000 | 1,339,000 |
| Noninterest expense | 1,489,000 | 2,908,000 | 4,181,000 | 5,639,000 |
| Provision for loan losses | 188,000 | 375,000 | 563,000 | 750,000 |
| Pretax income | 628,000 | 1,383,000 | 2,333,000 | 3,058,000 |
| Income tax | 128,000 | 450,000 | 726,000 | 846,000 |
| Net income | 500,000 | 933,000 | 1,607,000 | 2,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,009,000 | 25,153,000 | 25,827,000 | 25,994,000 |
| Total capital | 26,811,000 | 26,986,000 | 27,674,000 | 27,921,000 |
| Risk-weighted assets | 143,593,000 | 145,976,000 | 147,089,000 | 153,742,000 |