Call reports 2014
FIRST CAPITAL BANK OF KENTUCKY, THE — 2014
What FIRST CAPITAL BANK OF KENTUCKY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 502,759,000 | 501,080,000 | 508,452,000 | 503,552,000 |
| Total loans | 381,879,000 | 390,841,000 | 406,448,000 | 404,489,000 |
| Allowance for loan losses | 2,760,000 | 2,200,000 | 2,300,000 | 2,350,000 |
| Securities available for sale | 63,145,000 | 61,775,000 | 64,146,000 | 62,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,164,000 | 391,163,000 | 368,026,000 | 371,723,000 |
| Interest-bearing deposits | 356,325,000 | 349,829,000 | 319,937,000 | 322,439,000 |
| Noninterest-bearing deposits | 37,839,000 | 41,334,000 | 48,088,000 | 49,284,000 |
| Equity capital | 42,306,000 | 43,131,000 | 43,833,000 | 44,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,714,000 | 9,502,000 | 14,495,000 | 19,540,000 |
| Interest expense | 1,022,000 | 2,058,000 | 3,050,000 | 4,011,000 |
| Net interest income | 3,692,000 | 7,444,000 | 11,445,000 | 15,529,000 |
| Noninterest income | 294,000 | 804,000 | 1,235,000 | 1,827,000 |
| Noninterest expense | 3,253,000 | 6,559,000 | 9,825,000 | 13,330,000 |
| Provision for loan losses | 21,000 | 305,000 | 353,000 | 433,000 |
| Pretax income | 712,000 | 1,384,000 | 2,504,000 | 3,595,000 |
| Income tax | 227,000 | 439,000 | 804,000 | 1,158,000 |
| Net income | 485,000 | 945,000 | 1,700,000 | 2,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,968,000 | 43,427,000 | 44,183,000 | 44,920,000 |
| Total capital | 45,728,000 | 45,627,000 | 46,483,000 | 47,270,000 |
| Risk-weighted assets | 401,925,000 | 407,677,000 | 420,593,000 | 413,639,000 |