Call reports 2025
INDEPENDENCE BANK OF KENTUCKY — 2025
What INDEPENDENCE BANK OF KENTUCKY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,801,538,000 | 3,821,873,000 | 3,808,775,000 | 3,791,470,000 |
| Total loans | 2,090,703,000 | 2,105,309,000 | 2,127,880,000 | 2,112,319,000 |
| Allowance for loan losses | 19,366,000 | 20,099,000 | 21,039,000 | 21,942,000 |
| Securities available for sale | 257,530,000 | 251,474,000 | 251,107,000 | 245,314,000 |
| Securities held to maturity | 1,192,440,000 | 1,191,480,000 | 1,173,836,000 | 1,172,183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,249,246,000 | 3,156,537,000 | 3,293,288,000 | 3,179,251,000 |
| Interest-bearing deposits | 2,786,405,000 | 2,667,056,000 | 2,784,711,000 | 2,663,607,000 |
| Noninterest-bearing deposits | 462,841,000 | 489,481,000 | 508,577,000 | 515,644,000 |
| Equity capital | 285,334,000 | 286,048,000 | 295,376,000 | 302,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 41,905,000 | 85,407,000 | 128,994,000 | 172,347,000 |
| Interest expense | 22,389,000 | 45,101,000 | 66,878,000 | 86,861,000 |
| Net interest income | 19,516,000 | 40,306,000 | 62,116,000 | 85,486,000 |
| Noninterest income | 5,365,000 | 11,136,000 | 17,074,000 | 23,260,000 |
| Noninterest expense | 18,568,000 | 37,435,000 | 56,499,000 | 75,001,000 |
| Provision for loan losses | 100,000 | 900,000 | 1,875,000 | 3,375,000 |
| Pretax income | 6,213,000 | 13,107,000 | 20,816,000 | 30,370,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,213,000 | 13,107,000 | 20,816,000 | 30,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 328,452,000 | 332,346,000 | 336,805,000 | 341,358,000 |
| Total capital | 347,968,000 | 352,595,000 | 357,994,000 | 363,450,000 |
| Risk-weighted assets | 2,629,463,000 | 2,625,087,000 | 2,667,812,000 | 2,620,017,000 |