Call reports 2003
FIRST NATIONAL BANK OF KENTUCKY — 2003
What FIRST NATIONAL BANK OF KENTUCKY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,466,000 | 60,576,000 | 62,133,000 | 63,902,000 |
| Total loans | 37,899,000 | 35,912,000 | 35,726,000 | 34,086,000 |
| Allowance for loan losses | 393,000 | 377,000 | 373,000 | 350,000 |
| Securities available for sale | 11,851,000 | 15,800,000 | 17,398,000 | 19,444,000 |
| Securities held to maturity | 3,379,000 | 3,573,000 | 3,910,000 | 4,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,513,000 | 53,007,000 | 54,449,000 | 56,174,000 |
| Interest-bearing deposits | 43,376,000 | 44,487,000 | 45,840,000 | 45,367,000 |
| Noninterest-bearing deposits | 9,137,000 | 8,520,000 | 8,609,000 | 10,807,000 |
| Equity capital | 6,646,000 | 6,783,000 | 6,905,000 | 6,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 860,000 | 1,700,000 | 2,533,000 | 3,356,000 |
| Interest expense | 260,000 | 516,000 | 760,000 | 1,000,000 |
| Net interest income | 600,000 | 1,184,000 | 1,773,000 | 2,356,000 |
| Noninterest income | 102,000 | 206,000 | 312,000 | 419,000 |
| Noninterest expense | 405,000 | 796,000 | 1,211,000 | 1,621,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 297,000 | 585,000 | 865,000 | 1,145,000 |
| Income tax | 91,000 | 172,000 | 263,000 | 352,000 |
| Net income | 206,000 | 413,000 | 602,000 | 793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,589,000 | 6,698,000 | 6,865,000 | 6,972,000 |
| Total capital | 6,982,000 | 7,075,000 | 7,238,000 | 7,322,000 |
| Risk-weighted assets | 35,786,000 | 37,581,000 | 35,806,000 | 37,457,000 |
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