Call reports 2009
FIRST KENTUCKY BANK, INC. — 2009
What FIRST KENTUCKY BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 353,037,000 | 349,015,000 | 355,314,000 | 360,829,000 |
| Total loans | 286,940,000 | 285,862,000 | 285,954,000 | 284,159,000 |
| Allowance for loan losses | 3,396,000 | 3,437,000 | 3,474,000 | 3,461,000 |
| Securities available for sale | 31,270,000 | 31,501,000 | 33,607,000 | 38,381,000 |
| Securities held to maturity | 7,734,000 | 7,777,000 | 7,607,000 | 8,315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,733,000 | 281,315,000 | 291,392,000 | 299,571,000 |
| Interest-bearing deposits | 240,751,000 | 239,857,000 | 249,664,000 | 255,524,000 |
| Noninterest-bearing deposits | 44,982,000 | 41,458,000 | 41,728,000 | 44,047,000 |
| Equity capital | 33,253,000 | 33,490,000 | 33,876,000 | 34,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,019,000 | 9,964,000 | 14,943,000 | 19,884,000 |
| Interest expense | 1,586,000 | 3,084,000 | 4,552,000 | 5,956,000 |
| Net interest income | 3,433,000 | 6,880,000 | 10,391,000 | 13,928,000 |
| Noninterest income | 638,000 | 1,398,000 | 2,132,000 | 2,847,000 |
| Noninterest expense | 2,953,000 | 5,954,000 | 8,879,000 | 11,662,000 |
| Provision for loan losses | 255,000 | 510,000 | 765,000 | 1,020,000 |
| Pretax income | 863,000 | 1,814,000 | 2,879,000 | 4,093,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 863,000 | 1,814,000 | 2,879,000 | 4,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,073,000 | 29,592,000 | 29,919,000 | 30,702,000 |
| Total capital | 32,303,000 | 32,817,000 | 33,160,000 | 33,966,000 |
| Risk-weighted assets | 258,241,000 | 257,773,000 | 259,032,000 | 260,909,000 |