Call reports 2007
FIRST KENTUCKY BANK, INC. — 2007
What FIRST KENTUCKY BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 351,489,000 | 357,948,000 | 358,604,000 | 365,806,000 |
| Total loans | 271,989,000 | 279,521,000 | 283,715,000 | 289,564,000 |
| Allowance for loan losses | 3,473,000 | 3,426,000 | 3,519,000 | 3,545,000 |
| Securities available for sale | 45,552,000 | 42,588,000 | 41,269,000 | 39,227,000 |
| Securities held to maturity | 9,034,000 | 9,005,000 | 8,830,000 | 8,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,229,000 | 289,333,000 | 289,177,000 | 299,709,000 |
| Interest-bearing deposits | 258,497,000 | 249,592,000 | 249,510,000 | 257,570,000 |
| Noninterest-bearing deposits | 39,732,000 | 39,741,000 | 39,667,000 | 42,139,000 |
| Equity capital | 29,871,000 | 29,360,000 | 30,459,000 | 31,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,340,000 | 10,894,000 | 16,604,000 | 22,375,000 |
| Interest expense | 2,452,000 | 5,132,000 | 7,982,000 | 10,707,000 |
| Net interest income | 2,888,000 | 5,762,000 | 8,622,000 | 11,668,000 |
| Noninterest income | 757,000 | 1,617,000 | 2,493,000 | 3,385,000 |
| Noninterest expense | 2,489,000 | 4,950,000 | 7,486,000 | 10,088,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 424,000 |
| Pretax income | 1,066,000 | 2,249,000 | 3,359,000 | 4,541,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,066,000 | 2,249,000 | 3,359,000 | 4,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,119,000 | 26,214,000 | 26,816,000 | 27,583,000 |
| Total capital | 29,321,000 | 29,537,000 | 30,181,000 | 31,020,000 |
| Risk-weighted assets | 255,885,000 | 265,744,000 | 269,061,000 | 274,844,000 |