Call reports 2014
PEOPLES BANK OF KENTUCKY, INC. — 2014
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 263,265,000 | 259,250,000 | 256,550,000 | 259,744,000 |
| Total loans | 200,721,000 | 203,403,000 | 207,746,000 | 207,533,000 |
| Allowance for loan losses | 3,273,000 | 3,403,000 | 3,570,000 | 3,829,000 |
| Securities available for sale | 23,285,000 | 23,328,000 | 22,730,000 | 23,234,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,740,000 | 222,708,000 | 218,748,000 | 218,797,000 |
| Interest-bearing deposits | 209,325,000 | 204,767,000 | 199,810,000 | 201,329,000 |
| Noninterest-bearing deposits | 17,415,000 | 17,941,000 | 18,938,000 | 17,468,000 |
| Equity capital | 29,368,000 | 29,705,000 | 30,238,000 | 30,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,736,000 | 5,508,000 | 8,314,000 | 11,153,000 |
| Interest expense | 370,000 | 730,000 | 1,086,000 | 1,430,000 |
| Net interest income | 2,366,000 | 4,778,000 | 7,228,000 | 9,723,000 |
| Noninterest income | 682,000 | 1,281,000 | 1,802,000 | 2,258,000 |
| Noninterest expense | 1,954,000 | 4,002,000 | 5,966,000 | 8,095,000 |
| Provision for loan losses | 188,000 | 375,000 | 562,000 | 563,000 |
| Pretax income | 906,000 | 1,682,000 | 2,502,000 | 3,323,000 |
| Income tax | 264,000 | 476,000 | 738,000 | 955,000 |
| Net income | 642,000 | 1,206,000 | 1,764,000 | 2,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,431,000 | 27,711,000 | 28,284,000 | 28,468,000 |
| Total capital | 29,904,000 | 30,188,000 | 30,775,000 | 31,000,000 |
| Risk-weighted assets | 197,001,000 | 197,174,000 | 199,069,000 | 201,288,000 |