Call reports 2013
PEOPLES BANK OF KENTUCKY, INC. — 2013
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 261,327,000 | 250,289,000 | 253,811,000 | 254,925,000 |
| Total loans | 201,134,000 | 202,313,000 | 203,015,000 | 202,663,000 |
| Allowance for loan losses | 2,696,000 | 3,170,000 | 3,366,000 | 3,203,000 |
| Securities available for sale | 22,793,000 | 21,958,000 | 22,459,000 | 23,051,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,210,000 | 212,548,000 | 215,368,000 | 218,682,000 |
| Interest-bearing deposits | 205,024,000 | 194,881,000 | 198,345,000 | 201,481,000 |
| Noninterest-bearing deposits | 20,186,000 | 17,668,000 | 17,024,000 | 17,201,000 |
| Equity capital | 28,277,000 | 28,166,000 | 28,852,000 | 28,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,919,000 | 5,769,000 | 8,599,000 | 11,392,000 |
| Interest expense | 395,000 | 756,000 | 1,094,000 | 1,601,000 |
| Net interest income | 2,524,000 | 5,013,000 | 7,505,000 | 9,791,000 |
| Noninterest income | 491,000 | 990,000 | 1,475,000 | 1,970,000 |
| Noninterest expense | 1,767,000 | 3,709,000 | 5,503,000 | 7,663,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 750,000 |
| Pretax income | 998,000 | 1,794,000 | 2,727,000 | 3,348,000 |
| Income tax | 308,000 | 546,000 | 820,000 | 920,000 |
| Net income | 690,000 | 1,248,000 | 1,907,000 | 2,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,855,000 | 26,198,000 | 26,813,000 | 26,762,000 |
| Total capital | 28,332,000 | 28,697,000 | 29,307,000 | 29,240,000 |
| Risk-weighted assets | 198,738,000 | 198,817,000 | 198,906,000 | 197,514,000 |