Call reports 2012
FIRST CAPITAL BANK OF KENTUCKY, THE — 2012
What FIRST CAPITAL BANK OF KENTUCKY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 465,554,000 | 467,644,000 | 478,934,000 | 459,403,000 |
| Total loans | 312,072,000 | 317,337,000 | 337,398,000 | 331,038,000 |
| Allowance for loan losses | 3,325,000 | 3,190,000 | 3,400,000 | 3,300,000 |
| Securities available for sale | 66,483,000 | 64,286,000 | 61,462,000 | 65,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,950,000 | 359,312,000 | 368,980,000 | 366,397,000 |
| Interest-bearing deposits | 324,418,000 | 329,025,000 | 335,897,000 | 334,977,000 |
| Noninterest-bearing deposits | 33,531,000 | 30,287,000 | 33,082,000 | 31,419,000 |
| Equity capital | 40,905,000 | 41,104,000 | 42,400,000 | 41,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,512,000 | 9,126,000 | 13,830,000 | 19,058,000 |
| Interest expense | 1,239,000 | 2,374,000 | 3,466,000 | 4,568,000 |
| Net interest income | 3,273,000 | 6,752,000 | 10,364,000 | 14,490,000 |
| Noninterest income | 485,000 | 938,000 | 1,782,000 | 2,569,000 |
| Noninterest expense | 2,761,000 | 5,598,000 | 8,593,000 | 12,207,000 |
| Provision for loan losses | 23,000 | 608,000 | 812,000 | 1,244,000 |
| Pretax income | 1,014,000 | 2,229,000 | 3,486,000 | 4,353,000 |
| Income tax | 274,000 | 620,000 | 982,000 | 1,222,000 |
| Net income | 740,000 | 1,609,000 | 2,504,000 | 3,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,367,000 | 41,236,000 | 42,131,000 | 41,458,000 |
| Total capital | 43,692,000 | 44,426,000 | 45,531,000 | 44,758,000 |
| Risk-weighted assets | 330,960,000 | 337,732,000 | 351,614,000 | 344,621,000 |