Call reports 2006
INDEPENDENCE BANK OF KENTUCKY — 2006
What INDEPENDENCE BANK OF KENTUCKY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 562,724,000 | 579,652,000 | 604,025,000 | 629,502,000 |
| Total loans | 460,374,000 | 485,959,000 | 506,917,000 | 498,972,000 |
| Allowance for loan losses | 4,024,000 | 3,882,000 | 4,088,000 | 4,001,000 |
| Securities available for sale | 68,023,000 | 66,311,000 | 66,731,000 | 98,616,000 |
| Securities held to maturity | 57,000 | 52,000 | 48,000 | 43,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,168,000 | 452,120,000 | 477,457,000 | 533,663,000 |
| Interest-bearing deposits | 399,262,000 | 398,550,000 | 428,366,000 | 482,431,000 |
| Noninterest-bearing deposits | 51,906,000 | 53,570,000 | 49,091,000 | 51,232,000 |
| Equity capital | 39,353,000 | 39,193,000 | 43,232,000 | 43,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,723,000 | 18,044,000 | 28,115,000 | 38,521,000 |
| Interest expense | 4,018,000 | 8,414,000 | 13,464,000 | 19,143,000 |
| Net interest income | 4,705,000 | 9,630,000 | 14,651,000 | 19,378,000 |
| Noninterest income | 853,000 | 1,928,000 | 3,062,000 | 4,102,000 |
| Noninterest expense | 4,702,000 | 9,669,000 | 14,771,000 | 20,247,000 |
| Provision for loan losses | 195,000 | 310,000 | 794,000 | 915,000 |
| Pretax income | 661,000 | 1,579,000 | 2,148,000 | 2,343,000 |
| Income tax | 163,000 | 400,000 | 534,000 | 809,000 |
| Net income | 498,000 | 1,179,000 | 1,614,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,205,000 | 40,505,000 | 44,055,000 | 43,791,000 |
| Total capital | 44,229,000 | 44,387,000 | 48,143,000 | 47,792,000 |
| Risk-weighted assets | 428,605,000 | 457,121,000 | 479,906,000 | 471,992,000 |