Call reports 2005
FIRST CAPITAL BANK OF KENTUCKY, THE — 2005
What FIRST CAPITAL BANK OF KENTUCKY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 233,373,000 | 245,203,000 | 244,083,000 | 257,633,000 |
| Total loans | 205,984,000 | 217,128,000 | 216,702,000 | 224,725,000 |
| Allowance for loan losses | 1,420,000 | 1,370,000 | 1,330,000 | 1,325,000 |
| Securities available for sale | 11,430,000 | 11,133,000 | 10,570,000 | 10,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,457,000 | 176,173,000 | 172,207,000 | 185,763,000 |
| Interest-bearing deposits | 150,883,000 | 163,866,000 | 156,556,000 | 173,333,000 |
| Noninterest-bearing deposits | 14,575,000 | 12,306,000 | 15,650,000 | 12,430,000 |
| Equity capital | 22,511,000 | 23,074,000 | 23,533,000 | 23,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,353,000 | 6,849,000 | 10,646,000 | 14,483,000 |
| Interest expense | 1,509,000 | 3,208,000 | 5,032,000 | 6,972,000 |
| Net interest income | 1,844,000 | 3,641,000 | 5,614,000 | 7,511,000 |
| Noninterest income | 270,000 | 286,000 | 660,000 | 1,063,000 |
| Noninterest expense | 1,503,000 | 2,594,000 | 4,151,000 | 5,718,000 |
| Provision for loan losses | -2,000 | 46,000 | 72,000 | 124,000 |
| Pretax income | 613,000 | 1,287,000 | 2,051,000 | 2,732,000 |
| Income tax | 199,000 | 415,000 | 663,000 | 878,000 |
| Net income | 414,000 | 872,000 | 1,388,000 | 1,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,796,000 | 23,253,000 | 23,769,000 | 24,236,000 |
| Total capital | 24,216,000 | 24,623,000 | 25,099,000 | 25,561,000 |
| Risk-weighted assets | 203,780,000 | 215,351,000 | 217,702,000 | 227,955,000 |