Call reports 2016
PEOPLES BANK OF KENTUCKY, INC. — 2016
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 265,848,000 | 282,156,000 | 284,944,000 | 284,550,000 |
| Total loans | 212,125,000 | 214,797,000 | 217,572,000 | 219,314,000 |
| Allowance for loan losses | 3,664,000 | 3,574,000 | 3,741,000 | 3,797,000 |
| Securities available for sale | 23,063,000 | 37,072,000 | 33,147,000 | 33,114,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,507,000 | 238,959,000 | 237,759,000 | 235,467,000 |
| Interest-bearing deposits | 205,784,000 | 206,951,000 | 206,814,000 | 206,609,000 |
| Noninterest-bearing deposits | 19,723,000 | 32,008,000 | 30,945,000 | 28,858,000 |
| Equity capital | 32,732,000 | 33,219,000 | 33,687,000 | 33,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,122,000 | 5,873,000 | 8,677,000 | 11,526,000 |
| Interest expense | 317,000 | 623,000 | 935,000 | 1,237,000 |
| Net interest income | 2,805,000 | 5,250,000 | 7,742,000 | 10,289,000 |
| Noninterest income | 499,000 | 945,000 | 1,471,000 | 1,942,000 |
| Noninterest expense | 1,881,000 | 3,797,000 | 5,902,000 | 7,911,000 |
| Provision for loan losses | 0 | 0 | 160,000 | 400,000 |
| Pretax income | 1,423,000 | 2,398,000 | 3,151,000 | 3,920,000 |
| Income tax | 431,000 | 723,000 | 946,000 | 1,215,000 |
| Net income | 992,000 | 1,675,000 | 2,205,000 | 2,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,947,000 | 31,318,000 | 31,855,000 | 31,699,000 |
| Total capital | 33,680,000 | 34,111,000 | 34,690,000 | 34,530,000 |
| Risk-weighted assets | 217,729,000 | 222,700,000 | 225,900,000 | 225,533,000 |