Call reports 2015
PEOPLES BANK OF KENTUCKY, INC. — 2015
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 256,517,000 | 259,564,000 | 262,016,000 | 271,484,000 |
| Total loans | 202,073,000 | 199,754,000 | 208,783,000 | 215,283,000 |
| Allowance for loan losses | 3,987,000 | 3,990,000 | 3,805,000 | 3,728,000 |
| Securities available for sale | 23,138,000 | 23,540,000 | 22,134,000 | 22,491,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,206,000 | 221,161,000 | 217,718,000 | 221,732,000 |
| Interest-bearing deposits | 200,118,000 | 201,755,000 | 197,844,000 | 202,400,000 |
| Noninterest-bearing deposits | 18,088,000 | 19,406,000 | 19,874,000 | 19,332,000 |
| Equity capital | 31,193,000 | 31,357,000 | 31,996,000 | 32,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,699,000 | 5,369,000 | 8,054,000 | 11,023,000 |
| Interest expense | 325,000 | 635,000 | 935,000 | 1,238,000 |
| Net interest income | 2,374,000 | 4,734,000 | 7,119,000 | 9,785,000 |
| Noninterest income | 512,000 | 960,000 | 1,489,000 | 1,992,000 |
| Noninterest expense | 1,826,000 | 3,887,000 | 5,908,000 | 8,125,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,060,000 | 1,807,000 | 2,700,000 | 3,652,000 |
| Income tax | 316,000 | 539,000 | 813,000 | 1,116,000 |
| Net income | 744,000 | 1,268,000 | 1,887,000 | 2,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,379,000 | 29,591,000 | 30,178,000 | 30,358,000 |
| Total capital | 31,870,000 | 32,086,000 | 32,865,000 | 33,118,000 |
| Risk-weighted assets | 197,872,000 | 198,098,000 | 213,842,000 | 219,846,000 |