Call reports 2015
FIRST KENTUCKY BANK, INC. — 2015
What FIRST KENTUCKY BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 382,733,000 | 383,039,000 | 387,830,000 | 390,805,000 |
| Total loans | 242,873,000 | 252,901,000 | 257,300,000 | 254,006,000 |
| Allowance for loan losses | 4,028,000 | 3,899,000 | 3,790,000 | 3,788,000 |
| Securities available for sale | 79,593,000 | 75,909,000 | 75,773,000 | 80,213,000 |
| Securities held to maturity | 21,632,000 | 24,939,000 | 25,671,000 | 25,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,281,000 | 314,993,000 | 313,388,000 | 322,542,000 |
| Interest-bearing deposits | 246,662,000 | 240,492,000 | 240,814,000 | 243,262,000 |
| Noninterest-bearing deposits | 73,619,000 | 74,501,000 | 72,574,000 | 79,280,000 |
| Equity capital | 37,764,000 | 37,400,000 | 38,631,000 | 37,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,652,000 | 7,321,000 | 11,077,000 | 14,911,000 |
| Interest expense | 397,000 | 801,000 | 1,197,000 | 1,584,000 |
| Net interest income | 3,255,000 | 6,520,000 | 9,880,000 | 13,327,000 |
| Noninterest income | 770,000 | 1,598,000 | 2,456,000 | 3,287,000 |
| Noninterest expense | 3,035,000 | 6,036,000 | 9,006,000 | 12,027,000 |
| Provision for loan losses | 48,000 | 48,000 | 48,000 | 145,000 |
| Pretax income | 1,003,000 | 2,190,000 | 3,454,000 | 4,553,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,003,000 | 2,190,000 | 3,454,000 | 4,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,707,000 | 36,372,000 | 37,010,000 | 36,313,000 |
| Total capital | 38,826,000 | 39,610,000 | 40,335,000 | 39,625,000 |
| Risk-weighted assets | 248,605,000 | 258,349,000 | 265,558,000 | 264,507,000 |