Call reports 2005
INDEPENDENCE BANK OF KENTUCKY — 2005
What INDEPENDENCE BANK OF KENTUCKY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 485,538,000 | 475,623,000 | 493,374,000 | 547,323,000 |
| Total loans | 386,973,000 | 390,537,000 | 407,672,000 | 437,375,000 |
| Allowance for loan losses | 3,971,000 | 3,761,000 | 4,010,000 | 3,868,000 |
| Securities available for sale | 56,418,000 | 52,654,000 | 55,944,000 | 68,681,000 |
| Securities held to maturity | 80,000 | 76,000 | 69,000 | 62,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,157,000 | 371,903,000 | 392,091,000 | 430,994,000 |
| Interest-bearing deposits | 356,713,000 | 333,470,000 | 350,119,000 | 384,333,000 |
| Noninterest-bearing deposits | 39,444,000 | 38,433,000 | 41,972,000 | 46,661,000 |
| Equity capital | 39,562,000 | 40,104,000 | 40,201,000 | 39,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,894,000 | 13,901,000 | 21,378,000 | 29,416,000 |
| Interest expense | 2,458,000 | 4,994,000 | 7,904,000 | 11,263,000 |
| Net interest income | 4,436,000 | 8,907,000 | 13,474,000 | 18,153,000 |
| Noninterest income | 676,000 | 1,413,000 | 2,256,000 | 3,161,000 |
| Noninterest expense | 3,761,000 | 7,869,000 | 12,316,000 | 17,105,000 |
| Provision for loan losses | 350,000 | 685,000 | 1,035,000 | 1,081,000 |
| Pretax income | 1,001,000 | 1,828,000 | 2,441,000 | 3,190,000 |
| Income tax | 277,000 | 482,000 | 587,000 | 1,137,000 |
| Net income | 724,000 | 1,346,000 | 1,854,000 | 2,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,968,000 | 40,152,000 | 40,279,000 | 40,088,000 |
| Total capital | 43,939,000 | 43,913,000 | 44,289,000 | 43,956,000 |
| Risk-weighted assets | 381,588,000 | 377,515,000 | 384,434,000 | 411,842,000 |