Call reports 2004
FIRST CAPITAL BANK OF KENTUCKY, THE — 2004
What FIRST CAPITAL BANK OF KENTUCKY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 218,468,000 | 227,128,000 | 242,504,000 | 227,737,000 |
| Total loans | 189,021,000 | 194,801,000 | 199,922,000 | 200,196,000 |
| Allowance for loan losses | 1,400,000 | 1,385,000 | 1,380,000 | 1,430,000 |
| Securities available for sale | 16,436,000 | 15,616,000 | 15,514,000 | 12,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,871,000 | 158,159,000 | 172,169,000 | 159,490,000 |
| Interest-bearing deposits | 132,735,000 | 143,519,000 | 155,269,000 | 145,579,000 |
| Noninterest-bearing deposits | 15,136,000 | 14,640,000 | 16,900,000 | 13,911,000 |
| Equity capital | 22,684,000 | 22,091,000 | 22,622,000 | 22,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,926,000 | 6,118,000 | 9,082,000 | 12,191,000 |
| Interest expense | 1,328,000 | 2,683,000 | 4,057,000 | 5,455,000 |
| Net interest income | 1,598,000 | 3,435,000 | 5,025,000 | 6,736,000 |
| Noninterest income | 251,000 | 729,000 | 1,285,000 | 1,428,000 |
| Noninterest expense | 1,449,000 | 3,100,000 | 4,753,000 | 6,498,000 |
| Provision for loan losses | 0 | 9,000 | 9,000 | 234,000 |
| Pretax income | 526,000 | 1,181,000 | 1,674,000 | 1,558,000 |
| Income tax | 172,000 | 386,000 | 548,000 | 497,000 |
| Net income | 354,000 | 795,000 | 1,126,000 | 1,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,754,000 | 22,415,000 | 22,746,000 | 22,682,000 |
| Total capital | 24,154,000 | 23,800,000 | 24,126,000 | 24,112,000 |
| Risk-weighted assets | 184,304,000 | 192,532,000 | 199,683,000 | 197,492,000 |