Call reports 2015
FIRST NATIONAL BANK OF KENTUCKY — 2015
What FIRST NATIONAL BANK OF KENTUCKY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 102,985,000 | 100,792,000 | 99,734,000 | 102,855,000 |
| Total loans | 64,825,000 | 66,541,000 | 65,020,000 | 67,790,000 |
| Allowance for loan losses | 1,096,000 | 1,129,000 | 1,119,000 | 1,151,000 |
| Securities available for sale | 23,687,000 | 22,984,000 | 22,927,000 | 22,175,000 |
| Securities held to maturity | 3,789,000 | 3,624,000 | 3,440,000 | 3,336,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,876,000 | 86,886,000 | 85,574,000 | 88,643,000 |
| Interest-bearing deposits | 71,714,000 | 69,110,000 | 68,534,000 | 69,181,000 |
| Noninterest-bearing deposits | 17,162,000 | 17,776,000 | 17,040,000 | 19,462,000 |
| Equity capital | 11,861,000 | 11,664,000 | 12,090,000 | 12,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,027,000 | 2,083,000 | 3,123,000 | 4,188,000 |
| Interest expense | 99,000 | 197,000 | 292,000 | 386,000 |
| Net interest income | 928,000 | 1,886,000 | 2,831,000 | 3,802,000 |
| Noninterest income | 190,000 | 389,000 | 566,000 | 781,000 |
| Noninterest expense | 736,000 | 1,512,000 | 2,278,000 | 3,028,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 80,000 |
| Pretax income | 384,000 | 735,000 | 1,091,000 | 1,477,000 |
| Income tax | -6,000 | -15,000 | -22,000 | -43,000 |
| Net income | 390,000 | 750,000 | 1,113,000 | 1,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,802,000 | 11,641,000 | 12,006,000 | 12,262,000 |
| Total capital | 12,496,000 | 12,370,000 | 12,738,000 | 12,997,000 |
| Risk-weighted assets | 55,140,000 | 57,946,000 | 58,157,000 | 58,478,000 |