Call reports 2019
INDEPENDENCE BANK OF KENTUCKY — 2019
What INDEPENDENCE BANK OF KENTUCKY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,486,015,000 | 2,528,725,000 | 2,568,383,000 | 2,596,482,000 |
| Total loans | 1,318,619,000 | 1,363,055,000 | 1,364,657,000 | 1,368,714,000 |
| Allowance for loan losses | 13,762,000 | 13,725,000 | 13,285,000 | 13,209,000 |
| Securities available for sale | 198,001,000 | 196,895,000 | 199,003,000 | 175,470,000 |
| Securities held to maturity | 810,890,000 | 822,298,000 | 847,462,000 | 894,338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,946,452,000 | 1,922,773,000 | 1,927,956,000 | 2,056,461,000 |
| Interest-bearing deposits | 1,694,265,000 | 1,664,046,000 | 1,661,357,000 | 1,789,710,000 |
| Noninterest-bearing deposits | 252,187,000 | 258,727,000 | 266,599,000 | 266,751,000 |
| Equity capital | 198,703,000 | 208,297,000 | 213,345,000 | 213,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 24,653,000 | 51,442,000 | 78,495,000 | 105,702,000 |
| Interest expense | 7,568,000 | 16,090,000 | 24,531,000 | 31,902,000 |
| Net interest income | 17,085,000 | 35,352,000 | 53,964,000 | 73,800,000 |
| Noninterest income | 2,305,000 | 4,969,000 | 7,857,000 | 10,691,000 |
| Noninterest expense | 13,140,000 | 27,345,000 | 42,046,000 | 55,934,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 6,250,000 | 12,976,000 | 19,775,000 | 28,057,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,250,000 | 12,976,000 | 19,775,000 | 28,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 197,912,000 | 204,638,000 | 208,674,000 | 210,568,000 |
| Total capital | 212,224,000 | 218,913,000 | 222,509,000 | 224,327,000 |
| Risk-weighted assets | 1,645,766,000 | 1,695,199,000 | 1,715,494,000 | 1,732,842,000 |