Call reports 2016
FIRST CAPITAL BANK OF KENTUCKY, THE — 2016
What FIRST CAPITAL BANK OF KENTUCKY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 506,591,000 | 506,578,000 | 522,810,000 | 517,658,000 |
| Total loans | 407,775,000 | 413,158,000 | 428,863,000 | 427,047,000 |
| Allowance for loan losses | 2,340,000 | 2,340,000 | 2,350,000 | 2,350,000 |
| Securities available for sale | 55,369,000 | 54,381,000 | 51,798,000 | 47,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,328,000 | 387,514,000 | 393,383,000 | 388,541,000 |
| Interest-bearing deposits | 323,898,000 | 326,805,000 | 327,632,000 | 322,805,000 |
| Noninterest-bearing deposits | 59,430,000 | 60,709,000 | 65,751,000 | 65,736,000 |
| Equity capital | 46,779,000 | 46,998,000 | 47,782,000 | 48,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,863,000 | 9,798,000 | 14,687,000 | 19,621,000 |
| Interest expense | 927,000 | 1,860,000 | 2,808,000 | 3,753,000 |
| Net interest income | 3,936,000 | 7,938,000 | 11,879,000 | 15,868,000 |
| Noninterest income | 942,000 | 1,714,000 | 2,560,000 | 3,553,000 |
| Noninterest expense | 3,646,000 | 7,291,000 | 10,939,000 | 14,717,000 |
| Provision for loan losses | 10,000 | 9,000 | -2,000 | -4,000 |
| Pretax income | 1,280,000 | 2,479,000 | 3,707,000 | 4,982,000 |
| Income tax | 420,000 | 811,000 | 1,213,000 | 1,629,000 |
| Net income | 860,000 | 1,668,000 | 2,494,000 | 3,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,043,000 | 47,101,000 | 47,927,000 | 48,786,000 |
| Total capital | 49,383,000 | 49,441,000 | 50,277,000 | 51,136,000 |
| Risk-weighted assets | 420,569,000 | 423,584,000 | 437,655,000 | 432,624,000 |