Call reports 2004
FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY — 2004
What FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 110,787,000 | 111,179,000 | 112,529,000 | 117,310,000 |
| Total loans | 75,173,000 | 76,392,000 | 78,660,000 | 78,565,000 |
| Allowance for loan losses | 1,687,000 | 1,769,000 | 1,471,000 | 1,431,000 |
| Securities available for sale | 29,536,000 | 28,750,000 | 27,524,000 | 29,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,693,000 | 90,540,000 | 91,579,000 | 93,984,000 |
| Interest-bearing deposits | 80,485,000 | 80,503,000 | 81,038,000 | 81,381,000 |
| Noninterest-bearing deposits | 9,209,000 | 10,037,000 | 10,541,000 | 12,603,000 |
| Equity capital | 10,999,000 | 10,650,000 | 11,035,000 | 11,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,504,000 | 2,988,000 | 4,509,000 | 6,044,000 |
| Interest expense | 412,000 | 813,000 | 1,226,000 | 1,684,000 |
| Net interest income | 1,092,000 | 2,175,000 | 3,283,000 | 4,360,000 |
| Noninterest income | 123,000 | 267,000 | 412,000 | 572,000 |
| Noninterest expense | 884,000 | 1,766,000 | 2,652,000 | 3,457,000 |
| Provision for loan losses | 135,000 | 255,000 | 360,000 | 465,000 |
| Pretax income | 198,000 | 447,000 | 711,000 | 1,128,000 |
| Income tax | 45,000 | 109,000 | 177,000 | 318,000 |
| Net income | 153,000 | 338,000 | 534,000 | 810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,694,000 | 10,867,000 | 10,894,000 | 11,157,000 |
| Total capital | 11,522,000 | 11,713,000 | 11,757,000 | 12,025,000 |
| Risk-weighted assets | 65,416,000 | 66,722,000 | 68,399,000 | 68,909,000 |