Call reports 2016
FIRST KENTUCKY BANK, INC. — 2016
What FIRST KENTUCKY BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 401,282,000 | 398,365,000 | 399,328,000 | 405,598,000 |
| Total loans | 263,561,000 | 267,090,000 | 275,440,000 | 281,335,000 |
| Allowance for loan losses | 3,847,000 | 3,807,000 | 3,900,000 | 3,943,000 |
| Securities available for sale | 82,385,000 | 74,158,000 | 65,127,000 | 64,814,000 |
| Securities held to maturity | 26,003,000 | 28,103,000 | 27,979,000 | 28,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,742,000 | 317,863,000 | 326,082,000 | 334,403,000 |
| Interest-bearing deposits | 242,797,000 | 240,570,000 | 250,560,000 | 253,949,000 |
| Noninterest-bearing deposits | 80,945,000 | 77,293,000 | 75,522,000 | 80,454,000 |
| Equity capital | 37,935,000 | 39,606,000 | 39,513,000 | 37,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,709,000 | 7,563,000 | 11,396,000 | 15,287,000 |
| Interest expense | 395,000 | 802,000 | 1,224,000 | 1,657,000 |
| Net interest income | 3,314,000 | 6,761,000 | 10,172,000 | 13,630,000 |
| Noninterest income | 737,000 | 1,544,000 | 2,434,000 | 3,249,000 |
| Noninterest expense | 3,053,000 | 6,168,000 | 9,429,000 | 12,488,000 |
| Provision for loan losses | 50,000 | 100,000 | 265,000 | 425,000 |
| Pretax income | 948,000 | 2,058,000 | 3,228,000 | 4,282,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 948,000 | 2,058,000 | 3,228,000 | 4,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,055,000 | 36,593,000 | 37,206,000 | 37,122,000 |
| Total capital | 39,468,000 | 40,031,000 | 40,711,000 | 40,692,000 |
| Risk-weighted assets | 272,644,000 | 274,656,000 | 280,024,000 | 285,197,000 |