Call reports 2019
PEOPLES BANK OF KENTUCKY, INC. — 2019
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 327,819,000 | 319,386,000 | 318,687,000 | 324,489,000 |
| Total loans | 260,836,000 | 263,438,000 | 263,989,000 | 268,253,000 |
| Allowance for loan losses | 3,576,000 | 3,730,000 | 3,912,000 | 3,888,000 |
| Securities available for sale | 22,064,000 | 20,846,000 | 20,234,000 | 21,563,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,853,000 | 264,513,000 | 270,293,000 | 275,032,000 |
| Interest-bearing deposits | 252,301,000 | 242,999,000 | 245,152,000 | 252,629,000 |
| Noninterest-bearing deposits | 22,552,000 | 21,514,000 | 25,141,000 | 22,403,000 |
| Equity capital | 36,907,000 | 37,808,000 | 38,589,000 | 38,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,807,000 | 7,774,000 | 11,773,000 | 15,806,000 |
| Interest expense | 833,000 | 1,703,000 | 2,567,000 | 3,444,000 |
| Net interest income | 2,974,000 | 6,071,000 | 9,206,000 | 12,362,000 |
| Noninterest income | 539,000 | 1,079,000 | 1,575,000 | 2,062,000 |
| Noninterest expense | 2,190,000 | 4,313,000 | 6,795,000 | 9,113,000 |
| Provision for loan losses | 187,000 | 375,000 | 562,000 | 750,000 |
| Pretax income | 1,135,000 | 2,462,000 | 3,423,000 | 4,561,000 |
| Income tax | 235,000 | 510,000 | 709,000 | 886,000 |
| Net income | 900,000 | 1,952,000 | 2,714,000 | 3,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,489,000 | 36,227,000 | 36,987,000 | 37,398,000 |
| Total capital | 38,809,000 | 39,570,000 | 40,310,000 | 40,767,000 |
| Risk-weighted assets | 265,362,000 | 267,084,000 | 265,253,000 | 269,022,000 |