Call reports 2020
PEOPLES BANK OF KENTUCKY, INC. — 2020
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 326,530,000 | 347,226,000 | 346,217,000 | 347,022,000 |
| Total loans | 269,168,000 | 279,545,000 | 283,247,000 | 279,329,000 |
| Allowance for loan losses | 3,999,000 | 4,190,000 | 4,429,000 | 4,568,000 |
| Securities available for sale | 21,349,000 | 21,895,000 | 24,066,000 | 27,773,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,869,000 | 300,234,000 | 298,843,000 | 299,125,000 |
| Interest-bearing deposits | 258,113,000 | 270,075,000 | 263,401,000 | 265,983,000 |
| Noninterest-bearing deposits | 22,756,000 | 30,160,000 | 35,442,000 | 33,142,000 |
| Equity capital | 38,461,000 | 39,394,000 | 40,236,000 | 40,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,989,000 | 8,025,000 | 11,793,000 | 15,597,000 |
| Interest expense | 893,000 | 1,724,000 | 2,454,000 | 3,081,000 |
| Net interest income | 3,096,000 | 6,301,000 | 9,339,000 | 12,516,000 |
| Noninterest income | 570,000 | 1,001,000 | 1,580,000 | 2,039,000 |
| Noninterest expense | 2,187,000 | 4,358,000 | 6,615,000 | 8,944,000 |
| Provision for loan losses | 188,000 | 375,000 | 638,000 | 937,000 |
| Pretax income | 1,293,000 | 2,569,000 | 3,666,000 | 4,673,000 |
| Income tax | 269,000 | 534,000 | 762,000 | 810,000 |
| Net income | 1,024,000 | 2,035,000 | 2,904,000 | 3,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,802,000 | 37,486,000 | 38,756,000 | 39,115,000 |
| Total capital | 40,125,000 | 40,986,000 | 42,244,000 | 42,599,000 |
| Risk-weighted assets | 265,103,000 | 279,276,000 | 278,110,000 | 277,616,000 |