Call reports 2003
FIRST CAPITAL BANK OF KENTUCKY, THE — 2003
What FIRST CAPITAL BANK OF KENTUCKY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 233,859,000 | 243,698,000 | 230,260,000 | 219,177,000 |
| Total loans | 213,068,000 | 214,507,000 | 196,633,000 | 187,571,000 |
| Allowance for loan losses | 2,028,000 | 2,421,000 | 2,419,000 | 1,400,000 |
| Securities available for sale | 8,104,000 | 9,678,000 | 16,296,000 | 16,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,365,000 | 174,525,000 | 160,568,000 | 138,491,000 |
| Interest-bearing deposits | 156,317,000 | 156,370,000 | 146,493,000 | 124,137,000 |
| Noninterest-bearing deposits | 18,048,000 | 18,154,000 | 14,074,000 | 14,354,000 |
| Equity capital | 21,789,000 | 22,147,000 | 22,590,000 | 22,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,525,000 | 7,029,000 | 10,345,000 | 13,350,000 |
| Interest expense | 1,736,000 | 3,411,000 | 5,004,000 | 6,384,000 |
| Net interest income | 1,789,000 | 3,618,000 | 5,341,000 | 6,966,000 |
| Noninterest income | 573,000 | 1,391,000 | 1,974,000 | 2,264,000 |
| Noninterest expense | 1,577,000 | 3,246,000 | 4,744,000 | 6,204,000 |
| Provision for loan losses | 217,000 | 711,000 | 710,000 | 914,000 |
| Pretax income | 568,000 | 1,320,000 | 2,179,000 | 2,430,000 |
| Income tax | 195,000 | 450,000 | 742,000 | 822,000 |
| Net income | 373,000 | 870,000 | 1,437,000 | 1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,586,000 | 22,082,000 | 22,649,000 | 22,820,000 |
| Total capital | 23,614,000 | 24,503,000 | 24,998,000 | 24,220,000 |
| Risk-weighted assets | 198,289,000 | 204,039,000 | 187,841,000 | 182,610,000 |