Call reports 2013
INDEPENDENCE BANK OF KENTUCKY — 2013
What INDEPENDENCE BANK OF KENTUCKY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,252,639,000 | 1,300,294,000 | 1,341,643,000 | 1,381,024,000 |
| Total loans | 765,182,000 | 770,318,000 | 795,572,000 | 819,066,000 |
| Allowance for loan losses | 9,529,000 | 9,529,000 | 9,890,000 | 9,832,000 |
| Securities available for sale | 170,296,000 | 175,550,000 | 45,298,000 | 48,013,000 |
| Securities held to maturity | 255,598,000 | 275,262,000 | 426,362,000 | 441,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,015,596,000 | 1,039,022,000 | 1,057,051,000 | 1,090,848,000 |
| Interest-bearing deposits | 901,674,000 | 931,939,000 | 939,348,000 | 976,399,000 |
| Noninterest-bearing deposits | 113,922,000 | 107,083,000 | 117,703,000 | 114,449,000 |
| Equity capital | 106,835,000 | 100,415,000 | 102,875,000 | 105,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 14,520,000 | 29,119,000 | 44,331,000 | 59,959,000 |
| Interest expense | 2,320,000 | 4,642,000 | 6,845,000 | 9,005,000 |
| Net interest income | 12,200,000 | 24,477,000 | 37,486,000 | 50,954,000 |
| Noninterest income | 1,609,000 | 3,576,000 | 5,780,000 | 7,520,000 |
| Noninterest expense | 7,334,000 | 14,954,000 | 23,224,000 | 31,514,000 |
| Provision for loan losses | 200,000 | 500,000 | 1,000,000 | 1,125,000 |
| Pretax income | 6,275,000 | 12,599,000 | 19,042,000 | 25,835,000 |
| Income tax | 1,556,000 | 3,055,000 | 4,541,000 | 6,086,000 |
| Net income | 4,719,000 | 9,544,000 | 14,501,000 | 19,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,373,000 | 103,519,000 | 105,757,000 | 108,299,000 |
| Total capital | 110,902,000 | 113,048,000 | 115,647,000 | 118,131,000 |
| Risk-weighted assets | 838,570,000 | 857,753,000 | 890,119,000 | 917,752,000 |