Call reports 2008
FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY — 2008
What FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 124,840,000 | 125,065,000 | 126,852,000 | 128,356,000 |
| Total loans | 83,987,000 | 87,038,000 | 92,041,000 | 93,235,000 |
| Allowance for loan losses | 1,506,000 | 1,439,000 | 1,413,000 | 1,220,000 |
| Securities available for sale | 29,691,000 | 28,565,000 | 27,759,000 | 26,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,833,000 | 104,475,000 | 102,712,000 | 105,012,000 |
| Interest-bearing deposits | 92,250,000 | 91,956,000 | 91,438,000 | 92,865,000 |
| Noninterest-bearing deposits | 10,582,000 | 12,519,000 | 11,274,000 | 12,147,000 |
| Equity capital | 12,278,000 | 12,270,000 | 12,317,000 | 12,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,904,000 | 3,820,000 | 5,750,000 | 7,637,000 |
| Interest expense | 833,000 | 1,619,000 | 2,367,000 | 3,087,000 |
| Net interest income | 1,071,000 | 2,201,000 | 3,383,000 | 4,550,000 |
| Noninterest income | 152,000 | 322,000 | 491,000 | 691,000 |
| Noninterest expense | 849,000 | 1,704,000 | 2,585,000 | 3,476,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 56,000 |
| Pretax income | 359,000 | 789,000 | 1,259,000 | 1,705,000 |
| Income tax | 91,000 | 207,000 | 334,000 | 451,000 |
| Net income | 268,000 | 582,000 | 925,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,226,000 | 12,490,000 | 12,632,000 | 12,962,000 |
| Total capital | 13,191,000 | 13,483,000 | 13,672,000 | 14,006,000 |
| Risk-weighted assets | 76,629,000 | 78,938,000 | 82,784,000 | 83,295,000 |