Call reports 2012
FIRST NATIONAL BANK OF KENTUCKY — 2012
What FIRST NATIONAL BANK OF KENTUCKY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 100,189,000 | 98,235,000 | 97,704,000 | 100,091,000 |
| Total loans | 63,978,000 | 65,500,000 | 66,075,000 | 64,236,000 |
| Allowance for loan losses | 891,000 | 953,000 | 992,000 | 1,032,000 |
| Securities available for sale | 19,020,000 | 18,532,000 | 18,636,000 | 18,106,000 |
| Securities held to maturity | 4,731,000 | 4,539,000 | 4,573,000 | 3,803,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,141,000 | 86,171,000 | 85,390,000 | 87,767,000 |
| Interest-bearing deposits | 73,067,000 | 70,879,000 | 70,845,000 | 73,056,000 |
| Noninterest-bearing deposits | 15,074,000 | 15,292,000 | 14,545,000 | 14,711,000 |
| Equity capital | 10,141,000 | 10,221,000 | 10,448,000 | 10,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,100,000 | 2,218,000 | 3,338,000 | 4,417,000 |
| Interest expense | 190,000 | 363,000 | 524,000 | 675,000 |
| Net interest income | 910,000 | 1,855,000 | 2,814,000 | 3,742,000 |
| Noninterest income | 186,000 | 388,000 | 583,000 | 761,000 |
| Noninterest expense | 721,000 | 1,449,000 | 2,171,000 | 2,880,000 |
| Provision for loan losses | 33,000 | 93,000 | 193,000 | 268,000 |
| Pretax income | 342,000 | 701,000 | 1,033,000 | 1,355,000 |
| Income tax | 108,000 | 226,000 | 333,000 | 416,000 |
| Net income | 234,000 | 475,000 | 700,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,180,000 | 11,249,000 | 11,467,000 | 11,488,000 |
| Total capital | 11,868,000 | 11,979,000 | 12,175,000 | 12,125,000 |
| Risk-weighted assets | 54,870,000 | 58,175,000 | 56,386,000 | 54,208,000 |