Call reports 2007
FIRST CAPITAL BANK OF KENTUCKY, THE — 2007
What FIRST CAPITAL BANK OF KENTUCKY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 296,587,000 | 315,431,000 | 317,886,000 | 318,235,000 |
| Total loans | 255,952,000 | 260,707,000 | 255,139,000 | 267,976,000 |
| Allowance for loan losses | 1,220,000 | 1,290,000 | 1,310,000 | 1,335,000 |
| Securities available for sale | 17,713,000 | 22,112,000 | 22,054,000 | 21,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,540,000 | 232,868,000 | 233,378,000 | 224,262,000 |
| Interest-bearing deposits | 204,576,000 | 215,948,000 | 214,243,000 | 197,354,000 |
| Noninterest-bearing deposits | 16,964,000 | 16,919,000 | 19,134,000 | 26,908,000 |
| Equity capital | 24,842,000 | 30,385,000 | 30,885,000 | 31,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,775,000 | 9,843,000 | 15,067,000 | 20,094,000 |
| Interest expense | 2,873,000 | 5,928,000 | 9,063,000 | 12,019,000 |
| Net interest income | 1,902,000 | 3,915,000 | 6,004,000 | 8,075,000 |
| Noninterest income | 403,000 | 710,000 | 1,198,000 | 1,546,000 |
| Noninterest expense | 1,721,000 | 3,456,000 | 5,466,000 | 7,526,000 |
| Provision for loan losses | 11,000 | 83,000 | 151,000 | 222,000 |
| Pretax income | 573,000 | 1,086,000 | 1,585,000 | 1,873,000 |
| Income tax | 168,000 | 319,000 | 461,000 | 514,000 |
| Net income | 405,000 | 767,000 | 1,124,000 | 1,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,784,000 | 30,395,000 | 30,752,000 | 30,988,000 |
| Total capital | 26,004,000 | 31,685,000 | 32,062,000 | 32,323,000 |
| Risk-weighted assets | 262,174,000 | 267,581,000 | 263,348,000 | 271,715,000 |