Call reports 2023
PEOPLES BANK OF KENTUCKY, INC. — 2023
What PEOPLES BANK OF KENTUCKY, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 445,213,000 | 465,761,000 | 481,135,000 | 484,302,000 |
| Total loans | 358,651,000 | 363,461,000 | 369,658,000 | 373,829,000 |
| Allowance for loan losses | 6,778,000 | 7,025,000 | 7,229,000 | 7,531,000 |
| Securities available for sale | 43,206,000 | 48,114,000 | 56,154,000 | 66,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,609,000 | 390,313,000 | 400,931,000 | 411,407,000 |
| Interest-bearing deposits | 334,550,000 | 340,764,000 | 353,386,000 | 367,056,000 |
| Noninterest-bearing deposits | 41,059,000 | 49,549,000 | 47,545,000 | 44,351,000 |
| Equity capital | 45,886,000 | 46,517,000 | 47,547,000 | 49,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,496,000 | 11,820,000 | 18,692,000 | 26,095,000 |
| Interest expense | 1,226,000 | 2,861,000 | 4,760,000 | 7,072,000 |
| Net interest income | 4,270,000 | 8,959,000 | 13,932,000 | 19,023,000 |
| Noninterest income | 685,000 | 1,287,000 | 1,941,000 | 2,504,000 |
| Noninterest expense | 2,643,000 | 5,585,000 | 8,713,000 | 12,322,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 2,012,000 | 4,061,000 | 6,260,000 | 8,005,000 |
| Income tax | 502,000 | 1,011,000 | 1,556,000 | 1,874,000 |
| Net income | 1,510,000 | 3,050,000 | 4,704,000 | 6,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,013,000 | 48,219,000 | 49,873,000 | 50,572,000 |
| Total capital | 51,428,000 | 52,716,000 | — | 55,372,000 |
| Risk-weighted assets | 350,846,000 | 357,140,000 | — | 381,323,000 |