Call reports 2013
FIRST KENTUCKY BANK, INC. — 2013
What FIRST KENTUCKY BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 374,257,000 | 378,546,000 | 379,848,000 | 374,868,000 |
| Total loans | 251,638,000 | 258,709,000 | 260,005,000 | 255,646,000 |
| Allowance for loan losses | 3,893,000 | 4,029,000 | 4,035,000 | 3,977,000 |
| Securities available for sale | 72,182,000 | 72,740,000 | 72,565,000 | 69,310,000 |
| Securities held to maturity | 18,805,000 | 17,500,000 | 17,829,000 | 17,778,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,215,000 | 312,883,000 | 302,885,000 | 314,859,000 |
| Interest-bearing deposits | 248,747,000 | 244,321,000 | 238,029,000 | 251,200,000 |
| Noninterest-bearing deposits | 71,468,000 | 68,562,000 | 64,856,000 | 63,659,000 |
| Equity capital | 38,652,000 | 36,786,000 | 35,157,000 | 35,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,943,000 | 7,924,000 | 11,918,000 | 15,880,000 |
| Interest expense | 515,000 | 1,029,000 | 1,528,000 | 2,022,000 |
| Net interest income | 3,428,000 | 6,895,000 | 10,390,000 | 13,858,000 |
| Noninterest income | 765,000 | 1,526,000 | 2,323,000 | 3,182,000 |
| Noninterest expense | 2,977,000 | 6,010,000 | 9,030,000 | 11,994,000 |
| Provision for loan losses | 188,000 | 375,000 | 480,000 | 635,000 |
| Pretax income | 1,028,000 | 2,037,000 | 3,205,000 | 4,493,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,028,000 | 2,037,000 | 3,205,000 | 4,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,920,000 | 35,530,000 | 34,037,000 | 34,645,000 |
| Total capital | 38,024,000 | 38,734,000 | 37,234,000 | 37,787,000 |
| Risk-weighted assets | 247,503,000 | 255,462,000 | 254,882,000 | 250,559,000 |