Call reports 2012
PEOPLES BANK OF KENTUCKY, INC. — 2012
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 193,988,000 | 194,327,000 | 191,199,000 | 195,980,000 |
| Total loans | 152,435,000 | 155,036,000 | 153,829,000 | 153,565,000 |
| Allowance for loan losses | 2,521,000 | 2,607,000 | 2,404,000 | 2,454,000 |
| Securities available for sale | 21,822,000 | 20,423,000 | 17,605,000 | 17,912,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,670,000 | 158,944,000 | 156,868,000 | 162,042,000 |
| Interest-bearing deposits | 145,340,000 | 145,116,000 | 144,556,000 | 149,375,000 |
| Noninterest-bearing deposits | 15,330,000 | 13,827,000 | 12,312,000 | 12,666,000 |
| Equity capital | 26,949,000 | 27,209,000 | 27,842,000 | 27,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,380,000 | 4,788,000 | 7,069,000 | 9,404,000 |
| Interest expense | 346,000 | 669,000 | 990,000 | 1,307,000 |
| Net interest income | 2,034,000 | 4,119,000 | 6,079,000 | 8,097,000 |
| Noninterest income | 325,000 | 628,000 | 1,016,000 | 1,254,000 |
| Noninterest expense | 1,308,000 | 2,747,000 | 4,150,000 | 5,914,000 |
| Provision for loan losses | 188,000 | 375,000 | 563,000 | 750,000 |
| Pretax income | 863,000 | 1,625,000 | 2,382,000 | 2,687,000 |
| Income tax | 244,000 | 490,000 | 700,000 | 729,000 |
| Net income | 619,000 | 1,135,000 | 1,682,000 | 1,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,613,000 | 26,832,000 | 27,441,000 | 26,826,000 |
| Total capital | 28,533,000 | 28,779,000 | 29,392,000 | 28,734,000 |
| Risk-weighted assets | 152,992,000 | 155,090,000 | 155,647,000 | 151,350,000 |