Call reports 2004
FIRST NATIONAL BANK OF KENTUCKY — 2004
What FIRST NATIONAL BANK OF KENTUCKY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 64,238,000 | 63,578,000 | 63,285,000 | 65,197,000 |
| Total loans | 33,382,000 | 33,477,000 | 34,911,000 | 34,764,000 |
| Allowance for loan losses | 320,000 | 347,000 | 353,000 | 322,000 |
| Securities available for sale | 20,228,000 | 19,399,000 | 18,610,000 | 19,406,000 |
| Securities held to maturity | 4,272,000 | 4,340,000 | 3,935,000 | 3,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,321,000 | 56,074,000 | 55,554,000 | 57,416,000 |
| Interest-bearing deposits | 46,520,000 | 46,034,000 | 45,226,000 | 46,974,000 |
| Noninterest-bearing deposits | 9,801,000 | 10,040,000 | 10,328,000 | 10,442,000 |
| Equity capital | 7,179,000 | 6,950,000 | 7,231,000 | 7,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 789,000 | 1,585,000 | 2,392,000 | 3,203,000 |
| Interest expense | 230,000 | 452,000 | 670,000 | 888,000 |
| Net interest income | 559,000 | 1,133,000 | 1,722,000 | 2,315,000 |
| Noninterest income | 94,000 | 192,000 | 288,000 | 389,000 |
| Noninterest expense | 439,000 | 878,000 | 1,333,000 | 1,799,000 |
| Provision for loan losses | 0 | 50,000 | 80,000 | 100,000 |
| Pretax income | 214,000 | 397,000 | 597,000 | 805,000 |
| Income tax | 59,000 | 113,000 | 173,000 | 234,000 |
| Net income | 155,000 | 284,000 | 424,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,114,000 | 7,161,000 | 7,288,000 | 7,360,000 |
| Total capital | 7,434,000 | 7,508,000 | 7,641,000 | 7,682,000 |
| Risk-weighted assets | 36,888,000 | 37,837,000 | 35,693,000 | 39,813,000 |
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