Call reports 2006
FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY — 2006
What FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 114,915,000 | 115,082,000 | 117,639,000 | 117,752,000 |
| Total loans | 81,508,000 | 81,505,000 | 84,106,000 | 84,469,000 |
| Allowance for loan losses | 1,627,000 | 1,686,000 | 1,709,000 | 1,712,000 |
| Securities available for sale | 27,365,000 | 27,021,000 | 26,624,000 | 27,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,086,000 | 93,659,000 | 96,208,000 | 95,816,000 |
| Interest-bearing deposits | 82,878,000 | 82,811,000 | 85,577,000 | 85,907,000 |
| Noninterest-bearing deposits | 10,208,000 | 10,848,000 | 10,631,000 | 9,909,000 |
| Equity capital | 10,914,000 | 10,963,000 | 11,271,000 | 11,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,618,000 | 3,346,000 | 5,094,000 | 6,901,000 |
| Interest expense | 619,000 | 1,311,000 | 2,128,000 | 2,997,000 |
| Net interest income | 999,000 | 2,035,000 | 2,966,000 | 3,904,000 |
| Noninterest income | 153,000 | 314,000 | 488,000 | 628,000 |
| Noninterest expense | 805,000 | 1,610,000 | 2,413,000 | 3,261,000 |
| Provision for loan losses | 30,000 | 52,000 | 60,000 | 60,000 |
| Pretax income | 317,000 | 687,000 | 981,000 | 1,211,000 |
| Income tax | 90,000 | 196,000 | 275,000 | 333,000 |
| Net income | 227,000 | 491,000 | 706,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,294,000 | 11,518,000 | 11,580,000 | 11,713,000 |
| Total capital | 12,189,000 | 12,418,000 | 12,512,000 | 12,652,000 |
| Risk-weighted assets | 70,787,000 | 71,208,000 | 73,727,000 | 74,305,000 |