Call reports 2009
FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY — 2009
What FIRST NATIONAL BANK OF MUHLENBERG COUNTY, KENTUCKY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 129,898,000 | 132,418,000 | 134,253,000 | 136,890,000 |
| Total loans | 92,346,000 | 96,084,000 | 99,044,000 | 97,049,000 |
| Allowance for loan losses | 1,120,000 | 1,193,000 | 1,226,000 | 1,208,000 |
| Securities available for sale | 29,771,000 | 28,887,000 | 29,085,000 | 30,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,197,000 | 109,382,000 | 108,878,000 | 112,686,000 |
| Interest-bearing deposits | 95,169,000 | 95,107,000 | 96,808,000 | 100,020,000 |
| Noninterest-bearing deposits | 13,028,000 | 14,275,000 | 12,070,000 | 12,666,000 |
| Equity capital | 13,079,000 | 13,439,000 | 14,265,000 | 14,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,814,000 | 3,726,000 | 5,607,000 | 7,489,000 |
| Interest expense | 664,000 | 1,310,000 | 1,945,000 | 2,579,000 |
| Net interest income | 1,150,000 | 2,416,000 | 3,662,000 | 4,910,000 |
| Noninterest income | 195,000 | 407,000 | 632,000 | 839,000 |
| Noninterest expense | 896,000 | 1,870,000 | 2,798,000 | 3,729,000 |
| Provision for loan losses | 30,000 | 94,000 | 154,000 | 229,000 |
| Pretax income | 420,000 | 860,000 | 1,343,000 | 1,798,000 |
| Income tax | 109,000 | 222,000 | 347,000 | 462,000 |
| Net income | 311,000 | 638,000 | 996,000 | 1,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,087,000 | 13,414,000 | 13,621,000 | 13,907,000 |
| Total capital | 14,099,000 | 14,435,000 | 14,695,000 | 14,969,000 |
| Risk-weighted assets | 80,784,000 | 83,704,000 | 85,760,000 | 84,770,000 |