Call reports 2013
FIRST CAPITAL BANK OF KENTUCKY, THE — 2013
What FIRST CAPITAL BANK OF KENTUCKY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 468,843,000 | 475,712,000 | 466,273,000 | 473,525,000 |
| Total loans | 327,150,000 | 329,277,000 | 358,484,000 | 373,879,000 |
| Allowance for loan losses | 3,250,000 | 3,000,000 | 2,400,000 | 3,000,000 |
| Securities available for sale | 61,050,000 | 61,231,000 | 58,581,000 | 55,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,936,000 | 384,917,000 | 374,108,000 | 382,152,000 |
| Interest-bearing deposits | 345,481,000 | 343,475,000 | 341,831,000 | 349,766,000 |
| Noninterest-bearing deposits | 32,455,000 | 41,443,000 | 32,277,000 | 32,386,000 |
| Equity capital | 42,266,000 | 42,328,000 | 43,059,000 | 42,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,597,000 | 8,975,000 | 13,389,000 | 18,098,000 |
| Interest expense | 951,000 | 1,934,000 | 2,889,000 | 3,847,000 |
| Net interest income | 3,646,000 | 7,041,000 | 10,500,000 | 14,251,000 |
| Noninterest income | 534,000 | 1,131,000 | 1,586,000 | 1,924,000 |
| Noninterest expense | 3,025,000 | 5,856,000 | 8,691,000 | 11,709,000 |
| Provision for loan losses | 25,000 | 36,000 | 121,000 | 1,199,000 |
| Pretax income | 1,133,000 | 2,283,000 | 3,277,000 | 3,270,000 |
| Income tax | 368,000 | 744,000 | 1,064,000 | 1,045,000 |
| Net income | 765,000 | 1,539,000 | 2,213,000 | 2,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,223,000 | 42,997,000 | 43,671,000 | 43,683,000 |
| Total capital | 45,473,000 | 45,997,000 | 46,071,000 | 46,683,000 |
| Risk-weighted assets | 341,532,000 | 349,378,000 | 378,620,000 | 394,558,000 |