Call reports 2004
FIRST KENTUCKY BANK, INC. — 2004
What FIRST KENTUCKY BANK, INC. 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 | 253,104,000 | 251,835,000 | 254,570,000 | 258,302,000 |
| Total loans | 188,423,000 | 193,840,000 | 196,539,000 | 199,988,000 |
| Allowance for loan losses | 2,180,000 | 2,217,000 | 2,328,000 | 2,347,000 |
| Securities available for sale | 35,711,000 | 30,355,000 | 30,167,000 | 25,452,000 |
| Securities held to maturity | 11,371,000 | 11,112,000 | 10,991,000 | 10,678,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,765,000 | 217,149,000 | 218,428,000 | 229,827,000 |
| Interest-bearing deposits | 194,043,000 | 190,714,000 | 191,520,000 | 197,909,000 |
| Noninterest-bearing deposits | 27,722,000 | 26,435,000 | 26,908,000 | 31,918,000 |
| Equity capital | 22,622,000 | 21,747,000 | 22,601,000 | 22,338,000 |
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 | 3,235,000 | 6,500,000 | 9,811,000 | 12,915,000 |
| Interest expense | 974,000 | 1,987,000 | 3,019,000 | 4,097,000 |
| Net interest income | 2,261,000 | 4,513,000 | 6,792,000 | 8,818,000 |
| Noninterest income | 456,000 | 947,000 | 1,481,000 | 1,992,000 |
| Noninterest expense | 1,928,000 | 3,866,000 | 5,669,000 | 7,042,000 |
| Provision for loan losses | 150,000 | 275,000 | 400,000 | 550,000 |
| Pretax income | 639,000 | 1,329,000 | 2,214,000 | 3,230,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 639,000 | 1,329,000 | 2,214,000 | 3,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,339,000 | 19,599,000 | 20,054,000 | 20,115,000 |
| Total capital | 21,515,000 | 21,816,000 | 22,306,000 | 22,432,000 |
| Risk-weighted assets | 174,099,000 | 177,835,000 | 180,091,000 | 185,317,000 |