Call reports 2005
FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY — 2005
What FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 113,633,000 | 117,916,000 | 115,811,000 | 113,582,000 |
| Total loans | 78,268,000 | 82,195,000 | 82,772,000 | 80,293,000 |
| Allowance for loan losses | 1,525,000 | 1,550,000 | 1,596,000 | 1,619,000 |
| Securities available for sale | 29,427,000 | 30,075,000 | 26,754,000 | 26,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,553,000 | 91,728,000 | 92,385,000 | 90,559,000 |
| Interest-bearing deposits | 79,341,000 | 81,558,000 | 82,099,000 | 81,243,000 |
| Noninterest-bearing deposits | 11,212,000 | 10,170,000 | 10,286,000 | 9,316,000 |
| Equity capital | 10,979,000 | 11,213,000 | 11,142,000 | 10,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,519,000 | 3,107,000 | 4,713,000 | 6,309,000 |
| Interest expense | 464,000 | 999,000 | 1,579,000 | 2,185,000 |
| Net interest income | 1,055,000 | 2,108,000 | 3,134,000 | 4,124,000 |
| Noninterest income | 159,000 | 313,000 | 471,000 | 637,000 |
| Noninterest expense | 842,000 | 1,672,000 | 2,532,000 | 3,356,000 |
| Provision for loan losses | 75,000 | 150,000 | 210,000 | 255,000 |
| Pretax income | 292,000 | 594,000 | 863,000 | 1,150,000 |
| Income tax | 87,000 | 178,000 | 249,000 | 324,000 |
| Net income | 205,000 | 416,000 | 614,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,192,000 | 11,376,000 | 11,404,000 | 11,210,000 |
| Total capital | 12,040,000 | 12,271,000 | 12,299,000 | 12,089,000 |
| Risk-weighted assets | 67,200,000 | 70,913,000 | 70,923,000 | 69,522,000 |