Call reports 2008
FIRST CAPITAL BANK OF KENTUCKY, THE — 2008
What FIRST CAPITAL BANK OF KENTUCKY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 339,562,000 | 343,903,000 | 353,005,000 | 419,727,000 |
| Total loans | 279,449,000 | 288,470,000 | 295,543,000 | 296,173,000 |
| Allowance for loan losses | 1,400,000 | 1,400,000 | 1,345,000 | 1,475,000 |
| Securities available for sale | 30,475,000 | 28,649,000 | 27,942,000 | 88,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,773,000 | 231,023,000 | 235,865,000 | 244,288,000 |
| Interest-bearing deposits | 204,235,000 | 211,121,000 | 216,750,000 | 223,882,000 |
| Noninterest-bearing deposits | 22,538,000 | 19,902,000 | 19,114,000 | 20,406,000 |
| Equity capital | 30,909,000 | 31,061,000 | 31,643,000 | 40,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,890,000 | 9,658,000 | 14,552,000 | 19,498,000 |
| Interest expense | 2,736,000 | 5,263,000 | 7,815,000 | 10,498,000 |
| Net interest income | 2,154,000 | 4,395,000 | 6,737,000 | 9,000,000 |
| Noninterest income | 487,000 | 891,000 | 1,320,000 | 1,701,000 |
| Noninterest expense | 2,128,000 | 4,192,000 | 6,234,000 | 8,355,000 |
| Provision for loan losses | 64,000 | 64,000 | 128,000 | 522,000 |
| Pretax income | 504,000 | 1,085,000 | 1,750,000 | 1,960,000 |
| Income tax | 143,000 | 312,000 | 510,000 | 551,000 |
| Net income | 361,000 | 773,000 | 1,240,000 | 1,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,728,000 | 31,140,000 | 31,607,000 | 41,030,000 |
| Total capital | 32,128,000 | 32,540,000 | 32,952,000 | 42,505,000 |
| Risk-weighted assets | 288,967,000 | 299,360,000 | 309,822,000 | 312,369,000 |