Call reports 2006
FIRST CAPITAL BANK OF KENTUCKY, THE — 2006
What FIRST CAPITAL BANK OF KENTUCKY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 250,114,000 | 258,277,000 | 264,328,000 | 298,288,000 |
| Total loans | 223,849,000 | 232,685,000 | 226,381,000 | 241,828,000 |
| Allowance for loan losses | 1,305,000 | 1,290,000 | 1,135,000 | 1,225,000 |
| Securities available for sale | 9,581,000 | 8,988,000 | 8,786,000 | 13,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,513,000 | 187,827,000 | 203,893,000 | 229,923,000 |
| Interest-bearing deposits | 162,732,000 | 169,673,000 | 189,437,000 | 215,141,000 |
| Noninterest-bearing deposits | 12,782,000 | 18,154,000 | 14,457,000 | 14,783,000 |
| Equity capital | 23,793,000 | 24,213,000 | 24,764,000 | 25,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,019,000 | 8,192,000 | 12,615,000 | 17,200,000 |
| Interest expense | 2,082,000 | 4,324,000 | 6,821,000 | 9,540,000 |
| Net interest income | 1,937,000 | 3,868,000 | 5,794,000 | 7,660,000 |
| Noninterest income | 199,000 | 412,000 | 620,000 | 687,000 |
| Noninterest expense | 1,401,000 | 2,801,000 | 4,335,000 | 5,898,000 |
| Provision for loan losses | 26,000 | 24,000 | 25,000 | 67,000 |
| Pretax income | 709,000 | 1,455,000 | 2,054,000 | 2,382,000 |
| Income tax | 228,000 | 468,000 | 659,000 | 744,000 |
| Net income | 481,000 | 987,000 | 1,395,000 | 1,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,092,000 | 24,598,000 | 25,006,000 | 25,249,000 |
| Total capital | 25,397,000 | 25,888,000 | 26,141,000 | 26,474,000 |
| Risk-weighted assets | 224,382,000 | 231,104,000 | 230,578,000 | 249,546,000 |
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