Call reports 2009
FIRST NATIONAL BANK OF KENTUCKY — 2009
What FIRST NATIONAL BANK OF KENTUCKY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 76,677,000 | 77,734,000 | 78,852,000 | 84,444,000 |
| Total loans | 52,669,000 | 55,833,000 | 56,989,000 | 60,749,000 |
| Allowance for loan losses | 488,000 | 545,000 | 547,000 | 589,000 |
| Securities available for sale | 8,677,000 | 9,627,000 | 11,597,000 | 9,016,000 |
| Securities held to maturity | 4,415,000 | 5,347,000 | 5,087,000 | 4,672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,945,000 | 67,917,000 | 68,793,000 | 74,250,000 |
| Interest-bearing deposits | 54,245,000 | 55,960,000 | 57,408,000 | 61,538,000 |
| Noninterest-bearing deposits | 12,700,000 | 11,957,000 | 11,385,000 | 12,712,000 |
| Equity capital | 9,419,000 | 9,515,000 | 9,806,000 | 9,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,035,000 | 2,089,000 | 3,126,000 | 4,197,000 |
| Interest expense | 272,000 | 548,000 | 840,000 | 1,130,000 |
| Net interest income | 763,000 | 1,541,000 | 2,286,000 | 3,067,000 |
| Noninterest income | 204,000 | 451,000 | 689,000 | 924,000 |
| Noninterest expense | 568,000 | 1,184,000 | 1,770,000 | 2,526,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | 145,000 |
| Pretax income | 349,000 | 708,000 | 1,105,000 | 1,320,000 |
| Income tax | 112,000 | 218,000 | 344,000 | 408,000 |
| Net income | 237,000 | 490,000 | 761,000 | 912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,340,000 | 9,455,000 | 9,726,000 | 9,703,000 |
| Total capital | 9,828,000 | 10,000,000 | 10,273,000 | 10,292,000 |
| Risk-weighted assets | 47,405,000 | 47,211,000 | 48,496,000 | 54,821,000 |
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