Call reports 2001
INDEPENDENCE BANK OF KENTUCKY — 2001
What INDEPENDENCE BANK OF KENTUCKY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 237,939,000 | 259,050,000 | 264,100,000 | 273,034,000 |
| Total loans | 181,006,000 | 203,088,000 | 210,986,000 | 220,073,000 |
| Allowance for loan losses | 1,501,000 | 1,635,000 | 2,071,000 | 2,143,000 |
| Securities available for sale | 22,094,000 | 24,938,000 | 26,999,000 | 35,848,000 |
| Securities held to maturity | 601,000 | 547,000 | 475,000 | 404,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,202,000 | 204,934,000 | 209,281,000 | 217,517,000 |
| Interest-bearing deposits | 171,370,000 | 189,456,000 | 192,940,000 | 198,349,000 |
| Noninterest-bearing deposits | 14,832,000 | 15,478,000 | 16,341,000 | 19,168,000 |
| Equity capital | 17,971,000 | 20,119,000 | 20,399,000 | 19,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,530,000 | 9,481,000 | 14,543,000 | 19,487,000 |
| Interest expense | 2,685,000 | 5,610,000 | 8,523,000 | 11,187,000 |
| Net interest income | 1,845,000 | 3,871,000 | 6,020,000 | 8,300,000 |
| Noninterest income | 311,000 | 665,000 | 1,072,000 | 1,489,000 |
| Noninterest expense | 1,721,000 | 3,580,000 | 5,411,000 | 7,488,000 |
| Provision for loan losses | 100,000 | 283,000 | 822,000 | 1,246,000 |
| Pretax income | 335,000 | 673,000 | 859,000 | 1,055,000 |
| Income tax | 66,000 | 149,000 | 193,000 | 309,000 |
| Net income | 269,000 | 524,000 | 666,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,768,000 | 19,895,000 | 19,910,000 | 19,532,000 |
| Total capital | 19,269,000 | 21,530,000 | 21,981,000 | 21,675,000 |
| Risk-weighted assets | 167,676,000 | 184,625,000 | 208,251,000 | 199,412,000 |