Call reports 2004
FIRST BANK AND TRUST COMPANY OF PRINCETON, KENTUCKY — 2004
What FIRST BANK AND TRUST COMPANY OF PRINCETON, KENTUCKY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 87,760,000 | 87,497,000 | 85,901,000 | 85,740,000 |
| Total loans | 33,902,000 | 34,568,000 | 35,759,000 | 42,163,000 |
| Allowance for loan losses | 509,000 | 514,000 | 521,000 | 528,000 |
| Securities available for sale | 46,151,000 | 42,160,000 | 42,346,000 | 28,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,931,000 | 78,306,000 | 75,190,000 | 75,461,000 |
| Interest-bearing deposits | 66,928,000 | 67,731,000 | 65,387,000 | 65,290,000 |
| Noninterest-bearing deposits | 10,003,000 | 10,575,000 | 9,803,000 | 10,171,000 |
| Equity capital | 8,868,000 | 7,869,000 | 8,642,000 | 8,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 959,000 | 1,906,000 | 2,875,000 | 3,805,000 |
| Interest expense | 247,000 | 486,000 | 724,000 | 972,000 |
| Net interest income | 712,000 | 1,420,000 | 2,151,000 | 2,833,000 |
| Noninterest income | 108,000 | 223,000 | 335,000 | 454,000 |
| Noninterest expense | 491,000 | 996,000 | 1,580,000 | 2,115,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 315,000 | 633,000 | 892,000 | 1,184,000 |
| Income tax | 63,000 | 128,000 | 175,000 | 232,000 |
| Net income | 252,000 | 505,000 | 717,000 | 952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,485,000 | 4,588,000 | 4,575,000 | 4,660,000 |
| Total capital | 4,994,000 | 5,102,000 | 5,096,000 | 5,188,000 |
| Risk-weighted assets | 42,210,000 | 42,444,000 | 42,171,000 | 47,206,000 |