Call reports 2025
FIRST KENTUCKY BANK, INC. — 2025
What FIRST KENTUCKY BANK, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 589,079,000 | 577,937,000 | 591,894,000 | 587,827,000 |
| Total loans | 353,271,000 | 356,905,000 | 362,372,000 | 358,140,000 |
| Allowance for loan losses | 4,740,000 | 4,732,000 | 4,904,000 | 4,842,000 |
| Securities available for sale | 124,071,000 | 127,247,000 | 130,079,000 | 126,079,000 |
| Securities held to maturity | 51,154,000 | 55,953,000 | 60,558,000 | 62,236,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,758,000 | 507,961,000 | 509,916,000 | 507,749,000 |
| Interest-bearing deposits | 409,810,000 | 400,372,000 | 405,410,000 | 396,771,000 |
| Noninterest-bearing deposits | 108,948,000 | 107,589,000 | 104,506,000 | 110,978,000 |
| Equity capital | 39,272,000 | 40,799,000 | 43,071,000 | 44,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,969,000 | 14,063,000 | 21,378,000 | 28,764,000 |
| Interest expense | 2,633,000 | 5,150,000 | 7,736,000 | 10,294,000 |
| Net interest income | 4,336,000 | 8,913,000 | 13,642,000 | 18,470,000 |
| Noninterest income | 960,000 | 1,970,000 | 3,025,000 | 4,076,000 |
| Noninterest expense | 3,763,000 | 7,582,000 | 11,501,000 | 15,792,000 |
| Provision for loan losses | 110,000 | 110,000 | 275,000 | 275,000 |
| Pretax income | 1,423,000 | 3,191,000 | 4,891,000 | 6,479,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,423,000 | 3,191,000 | 4,891,000 | 6,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,260,000 | 53,612,000 | 54,205,000 | 54,708,000 |
| Total capital | 58,069,000 | 58,413,000 | 59,179,000 | 59,620,000 |
| Risk-weighted assets | 404,109,000 | 409,659,000 | 420,921,000 | 409,970,000 |