Call reports 2008
FIRST NATIONAL BANK OF KENTUCKY — 2008
What FIRST NATIONAL BANK OF KENTUCKY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 75,951,000 | 74,460,000 | 71,100,000 | 73,001,000 |
| Total loans | 46,441,000 | 47,320,000 | 48,930,000 | 52,096,000 |
| Allowance for loan losses | 450,000 | 440,000 | 466,000 | 447,000 |
| Securities available for sale | 17,583,000 | 15,700,000 | 12,665,000 | 11,738,000 |
| Securities held to maturity | 4,183,000 | 4,456,000 | 4,170,000 | 3,978,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,735,000 | 65,334,000 | 61,791,000 | 63,456,000 |
| Interest-bearing deposits | 52,309,000 | 51,998,000 | 50,400,000 | 51,981,000 |
| Noninterest-bearing deposits | 14,426,000 | 13,336,000 | 11,391,000 | 11,475,000 |
| Equity capital | 8,819,000 | 8,763,000 | 9,052,000 | 9,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,046,000 | 2,068,000 | 3,088,000 | 4,130,000 |
| Interest expense | 407,000 | 774,000 | 1,110,000 | 1,405,000 |
| Net interest income | 639,000 | 1,294,000 | 1,978,000 | 2,725,000 |
| Noninterest income | 213,000 | 449,000 | 700,000 | 931,000 |
| Noninterest expense | 561,000 | 1,120,000 | 1,690,000 | 2,335,000 |
| Provision for loan losses | 30,000 | 30,000 | 55,000 | 90,000 |
| Pretax income | 261,000 | 593,000 | 955,000 | 1,253,000 |
| Income tax | 58,000 | 177,000 | 288,000 | 395,000 |
| Net income | 203,000 | 416,000 | 667,000 | 858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,707,000 | 8,798,000 | 9,050,000 | 9,104,000 |
| Total capital | 9,157,000 | 9,238,000 | 9,516,000 | 9,551,000 |
| Risk-weighted assets | 41,301,000 | 41,306,000 | 41,598,000 | 44,185,000 |
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