Call reports 2025
FIRST NATIONAL BANK OF KENTUCKY — 2025
What FIRST NATIONAL BANK OF KENTUCKY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 231,712,000 | 233,272,000 | 235,693,000 | 242,449,000 |
| Total loans | 175,376,000 | 181,737,000 | 191,066,000 | 201,579,000 |
| Allowance for loan losses | 2,370,000 | 2,434,000 | 2,571,000 | 2,921,000 |
| Securities available for sale | 25,593,000 | 24,612,000 | 25,280,000 | 25,159,000 |
| Securities held to maturity | 1,243,000 | 1,241,000 | 1,123,000 | 871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,211,000 | 206,260,000 | 207,263,000 | 213,603,000 |
| Interest-bearing deposits | 155,062,000 | 154,240,000 | 159,403,000 | 165,302,000 |
| Noninterest-bearing deposits | 49,149,000 | 52,020,000 | 47,860,000 | 48,301,000 |
| Equity capital | 20,330,000 | 19,817,000 | 21,292,000 | 22,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,222,000 | 6,633,000 | 10,062,000 | 13,555,000 |
| Interest expense | 1,033,000 | 2,078,000 | 3,188,000 | 4,247,000 |
| Net interest income | 2,189,000 | 4,555,000 | 6,874,000 | 9,308,000 |
| Noninterest income | 293,000 | 595,000 | 981,000 | 1,269,000 |
| Noninterest expense | 1,878,000 | 3,788,000 | 5,657,000 | 7,505,000 |
| Provision for loan losses | 36,000 | 99,000 | 235,000 | 585,000 |
| Pretax income | 566,000 | 1,245,000 | 1,950,000 | 2,473,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 566,000 | 1,245,000 | 1,950,000 | 2,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,769,000 | 20,093,000 | 21,451,000 | 22,143,000 |
| Total capital | 22,718,000 | 22,168,000 | 23,661,000 | 24,478,000 |
| Risk-weighted assets | 155,402,000 | 165,608,000 | 176,321,000 | 186,180,000 |