Call reports 2008
FIRST KENTUCKY BANK, INC. — 2008
What FIRST KENTUCKY BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 362,926,000 | 359,151,000 | 359,815,000 | 356,906,000 |
| Total loans | 285,206,000 | 289,375,000 | 291,180,000 | 290,264,000 |
| Allowance for loan losses | 3,558,000 | 3,526,000 | 3,555,000 | 3,221,000 |
| Securities available for sale | 36,129,000 | 37,178,000 | 34,753,000 | 33,322,000 |
| Securities held to maturity | 8,498,000 | 8,211,000 | 7,936,000 | 7,847,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,714,000 | 283,356,000 | 273,470,000 | 280,482,000 |
| Interest-bearing deposits | 253,831,000 | 238,987,000 | 233,415,000 | 238,612,000 |
| Noninterest-bearing deposits | 44,883,000 | 44,369,000 | 40,055,000 | 41,870,000 |
| Equity capital | 31,677,000 | 30,788,000 | 31,722,000 | 33,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,557,000 | 10,849,000 | 16,168,000 | 21,420,000 |
| Interest expense | 2,414,000 | 4,476,000 | 6,343,000 | 8,160,000 |
| Net interest income | 3,143,000 | 6,373,000 | 9,825,000 | 13,260,000 |
| Noninterest income | 794,000 | 1,620,000 | 2,388,000 | 3,113,000 |
| Noninterest expense | 2,752,000 | 5,608,000 | 8,476,000 | 11,204,000 |
| Provision for loan losses | 108,000 | 218,000 | 368,000 | 785,000 |
| Pretax income | 1,077,000 | 2,167,000 | 3,369,000 | 4,384,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,077,000 | 2,167,000 | 3,369,000 | 4,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,275,000 | 27,358,000 | 28,176,000 | 28,693,000 |
| Total capital | 30,630,000 | 30,715,000 | 31,456,000 | 31,914,000 |
| Risk-weighted assets | 268,232,000 | 268,351,000 | 262,150,000 | 262,258,000 |