Call reports 2003
FIRST KENTUCKY BANK, INC. — 2003
What FIRST KENTUCKY BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 244,835,000 | 241,227,000 | 242,335,000 | 246,242,000 |
| Total loans | 174,795,000 | 174,678,000 | 180,570,000 | 186,156,000 |
| Allowance for loan losses | 1,828,000 | 1,932,000 | 1,897,000 | 2,045,000 |
| Securities available for sale | 44,448,000 | 41,086,000 | 33,448,000 | 33,285,000 |
| Securities held to maturity | 9,660,000 | 9,706,000 | 10,421,000 | 10,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,272,000 | 209,181,000 | 214,398,000 | 218,464,000 |
| Interest-bearing deposits | 191,366,000 | 186,342,000 | 189,036,000 | 189,936,000 |
| Noninterest-bearing deposits | 22,906,000 | 22,839,000 | 25,362,000 | 28,528,000 |
| Equity capital | 22,395,000 | 23,076,000 | 22,674,000 | 22,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,414,000 | 6,756,000 | 10,000,000 | 13,265,000 |
| Interest expense | 1,147,000 | 2,254,000 | 3,209,000 | 4,183,000 |
| Net interest income | 2,267,000 | 4,502,000 | 6,791,000 | 9,082,000 |
| Noninterest income | 404,000 | 856,000 | 1,327,000 | 1,751,000 |
| Noninterest expense | 1,716,000 | 3,486,000 | 5,274,000 | 6,952,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 740,000 |
| Pretax income | 775,000 | 1,512,000 | 2,366,000 | 3,204,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 775,000 | 1,512,000 | 2,366,000 | 3,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,720,000 | 19,023,000 | 19,447,000 | 19,266,000 |
| Total capital | 20,548,000 | 20,955,000 | 21,344,000 | 21,311,000 |
| Risk-weighted assets | 157,393,000 | 157,555,000 | 163,878,000 | 170,059,000 |