Call reports 2013
FIRST NATIONAL BANK OF KENTUCKY — 2013
What FIRST NATIONAL BANK OF KENTUCKY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 102,703,000 | 100,664,000 | 100,280,000 | 99,515,000 |
| Total loans | 62,805,000 | 62,555,000 | 64,296,000 | 64,144,000 |
| Allowance for loan losses | 1,009,000 | 1,007,000 | 1,033,000 | 1,042,000 |
| Securities available for sale | 21,589,000 | 22,135,000 | 22,795,000 | 23,504,000 |
| Securities held to maturity | 4,719,000 | 3,916,000 | 3,425,000 | 4,112,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,440,000 | 88,914,000 | 88,258,000 | 88,468,000 |
| Interest-bearing deposits | 74,369,000 | 72,714,000 | 73,325,000 | 73,806,000 |
| Noninterest-bearing deposits | 16,071,000 | 16,200,000 | 14,933,000 | 14,662,000 |
| Equity capital | 10,950,000 | 10,437,000 | 10,679,000 | 10,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,038,000 | 2,074,000 | 3,138,000 | 4,174,000 |
| Interest expense | 145,000 | 284,000 | 412,000 | 534,000 |
| Net interest income | 893,000 | 1,790,000 | 2,726,000 | 3,640,000 |
| Noninterest income | 146,000 | 337,000 | 544,000 | 748,000 |
| Noninterest expense | 744,000 | 1,502,000 | 2,298,000 | 3,052,000 |
| Provision for loan losses | 0 | 25,000 | 60,000 | 90,000 |
| Pretax income | 295,000 | 600,000 | 912,000 | 1,246,000 |
| Income tax | 94,000 | 192,000 | 295,000 | 900,000 |
| Net income | 201,000 | 408,000 | 617,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,544,000 | 11,335,000 | 11,480,000 | 10,876,000 |
| Total capital | 12,223,000 | 12,012,000 | 12,177,000 | 11,574,000 |
| Risk-weighted assets | 54,026,000 | 53,864,000 | 55,461,000 | 55,508,000 |