Call reports 2003
FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY — 2003
What FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 117,892,000 | 117,596,000 | 113,562,000 | 112,174,000 |
| Total loans | 76,470,000 | 74,820,000 | 73,144,000 | 73,953,000 |
| Allowance for loan losses | 1,254,000 | 1,352,000 | 1,453,000 | 1,586,000 |
| Securities available for sale | 30,734,000 | 35,756,000 | 32,905,000 | 30,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,277,000 | 98,818,000 | 94,841,000 | 90,588,000 |
| Interest-bearing deposits | 90,130,000 | 90,091,000 | 85,715,000 | 80,927,000 |
| Noninterest-bearing deposits | 9,146,000 | 8,727,000 | 9,126,000 | 9,660,000 |
| Equity capital | 11,237,000 | 11,372,000 | 10,657,000 | 10,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,754,000 | 3,432,000 | 5,015,000 | 6,540,000 |
| Interest expense | 666,000 | 1,299,000 | 1,854,000 | 2,309,000 |
| Net interest income | 1,088,000 | 2,133,000 | 3,161,000 | 4,231,000 |
| Noninterest income | 131,000 | 258,000 | 361,000 | 492,000 |
| Noninterest expense | 875,000 | 1,802,000 | 2,726,000 | 3,639,000 |
| Provision for loan losses | 165,000 | 338,000 | 753,000 | 918,000 |
| Pretax income | 179,000 | 381,000 | 176,000 | 299,000 |
| Income tax | 35,000 | 78,000 | -17,000 | -3,000 |
| Net income | 144,000 | 303,000 | 193,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,737,000 | 10,897,000 | 10,604,000 | 10,713,000 |
| Total capital | 11,618,000 | 11,760,000 | 11,434,000 | 11,541,000 |
| Risk-weighted assets | 70,081,000 | 68,556,000 | 65,796,000 | 65,506,000 |