Call reports 2006
FIRST KENTUCKY BANK, INC. — 2006
What FIRST KENTUCKY BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 288,307,000 | 300,726,000 | 303,590,000 | 349,144,000 |
| Total loans | 229,586,000 | 234,800,000 | 240,132,000 | 269,788,000 |
| Allowance for loan losses | 2,875,000 | 2,852,000 | 2,918,000 | 3,338,000 |
| Securities available for sale | 30,884,000 | 36,608,000 | 34,789,000 | 42,464,000 |
| Securities held to maturity | 9,891,000 | 9,693,000 | 9,678,000 | 9,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,780,000 | 254,698,000 | 253,340,000 | 303,481,000 |
| Interest-bearing deposits | 215,214,000 | 220,420,000 | 217,481,000 | 261,806,000 |
| Noninterest-bearing deposits | 34,566,000 | 34,278,000 | 35,859,000 | 41,675,000 |
| Equity capital | 24,469,000 | 24,526,000 | 25,633,000 | 29,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,062,000 | 8,366,000 | 12,930,000 | 18,099,000 |
| Interest expense | 1,660,000 | 3,660,000 | 5,841,000 | 8,260,000 |
| Net interest income | 2,402,000 | 4,706,000 | 7,089,000 | 9,839,000 |
| Noninterest income | 577,000 | 1,170,000 | 1,902,000 | 2,633,000 |
| Noninterest expense | 1,942,000 | 3,881,000 | 5,916,000 | 8,346,000 |
| Provision for loan losses | 150,000 | 275,000 | 335,000 | 400,000 |
| Pretax income | 887,000 | 1,720,000 | 2,740,000 | 3,732,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 887,000 | 1,720,000 | 2,740,000 | 3,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,252,000 | 23,626,000 | 24,188,000 | 25,780,000 |
| Total capital | 25,919,000 | 26,361,000 | 26,980,000 | 28,933,000 |
| Risk-weighted assets | 213,115,000 | 218,656,000 | 223,214,000 | 252,018,000 |