Call reports 2009
FIRST CAPITAL BANK OF KENTUCKY, THE — 2009
What FIRST CAPITAL BANK OF KENTUCKY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 430,902,000 | 431,010,000 | 434,174,000 | 437,958,000 |
| Total loans | 292,684,000 | 297,569,000 | 301,606,000 | 298,897,000 |
| Allowance for loan losses | 1,460,000 | 1,470,000 | 1,895,000 | 1,750,000 |
| Securities available for sale | 89,937,000 | 97,983,000 | 38,938,000 | 37,844,000 |
| Securities held to maturity | 0 | 0 | 55,273,000 | 51,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,634,000 | 254,439,000 | 263,637,000 | 277,390,000 |
| Interest-bearing deposits | 242,533,000 | 233,570,000 | 244,948,000 | 257,931,000 |
| Noninterest-bearing deposits | 23,101,000 | 20,868,000 | 18,689,000 | 19,458,000 |
| Equity capital | 41,279,000 | 41,222,000 | 41,457,000 | 39,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,211,000 | 10,413,000 | 15,667,000 | 20,806,000 |
| Interest expense | 2,703,000 | 5,367,000 | 7,953,000 | 10,387,000 |
| Net interest income | 2,508,000 | 5,046,000 | 7,714,000 | 10,419,000 |
| Noninterest income | 396,000 | 960,000 | 1,295,000 | 1,770,000 |
| Noninterest expense | 2,330,000 | 4,945,000 | 7,418,000 | 10,159,000 |
| Provision for loan losses | 76,000 | 163,000 | 707,000 | 708,000 |
| Pretax income | 498,000 | 1,095,000 | 1,769,000 | 2,391,000 |
| Income tax | 138,000 | 311,000 | 429,000 | 698,000 |
| Net income | 360,000 | 784,000 | 1,340,000 | 1,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,768,000 | 41,191,000 | 41,047,000 | 39,426,000 |
| Total capital | 42,228,000 | 42,661,000 | 42,942,000 | 41,176,000 |
| Risk-weighted assets | 308,669,000 | 316,341,000 | 326,123,000 | 325,247,000 |