Call reports 2005
FIRST KENTUCKY BANK, INC. — 2005
What FIRST KENTUCKY BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 263,937,000 | 273,306,000 | 283,044,000 | 290,413,000 |
| Total loans | 203,577,000 | 212,470,000 | 223,011,000 | 228,756,000 |
| Allowance for loan losses | 2,506,000 | 2,605,000 | 2,667,000 | 2,754,000 |
| Securities available for sale | 32,069,000 | 33,295,000 | 31,799,000 | 30,517,000 |
| Securities held to maturity | 10,668,000 | 10,027,000 | 10,012,000 | 10,006,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,560,000 | 229,728,000 | 232,874,000 | 246,959,000 |
| Interest-bearing deposits | 204,198,000 | 199,418,000 | 201,307,000 | 210,310,000 |
| Noninterest-bearing deposits | 31,362,000 | 30,310,000 | 31,567,000 | 36,649,000 |
| Equity capital | 21,996,000 | 22,820,000 | 25,055,000 | 24,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,335,000 | 6,917,000 | 10,713,000 | 14,705,000 |
| Interest expense | 1,157,000 | 2,449,000 | 3,884,000 | 5,490,000 |
| Net interest income | 2,178,000 | 4,468,000 | 6,829,000 | 9,215,000 |
| Noninterest income | 532,000 | 1,122,000 | 1,791,000 | 2,366,000 |
| Noninterest expense | 1,830,000 | 3,646,000 | 5,480,000 | 7,426,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 675,000 |
| Pretax income | 730,000 | 1,644,000 | 2,690,000 | 3,480,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 730,000 | 1,644,000 | 2,690,000 | 3,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,327,000 | 20,816,000 | 23,420,000 | 22,919,000 |
| Total capital | 22,713,000 | 23,300,000 | 26,027,000 | 25,588,000 |
| Risk-weighted assets | 190,744,000 | 198,595,000 | 208,504,000 | 213,472,000 |