Call reports 2001
BANK OF KENTUCKY, INCORPORATED, THE — 2001
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 477,308,000 | 471,984,000 | 486,272,000 | 506,951,000 |
| Total loans | 376,573,000 | 389,398,000 | 400,676,000 | 416,981,000 |
| Allowance for loan losses | 3,850,000 | 3,997,000 | 4,101,000 | 4,244,000 |
| Securities available for sale | 28,130,000 | 35,021,000 | 33,282,000 | 35,163,000 |
| Securities held to maturity | 21,397,000 | 16,649,000 | 17,141,000 | 17,134,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,954,000 | 396,093,000 | 408,203,000 | 418,317,000 |
| Interest-bearing deposits | 361,422,000 | 350,208,000 | 351,413,000 | 360,420,000 |
| Noninterest-bearing deposits | 46,532,000 | 45,885,000 | 56,790,000 | 57,897,000 |
| Equity capital | 48,113,000 | 48,727,000 | 49,185,000 | 48,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 9,425,000 | 18,566,000 | 27,554,000 | 36,049,000 |
| Interest expense | 5,025,000 | 9,647,000 | 13,873,000 | 17,416,000 |
| Net interest income | 4,400,000 | 8,919,000 | 13,681,000 | 18,633,000 |
| Noninterest income | 963,000 | 1,953,000 | 2,982,000 | 4,253,000 |
| Noninterest expense | 2,846,000 | 5,691,000 | 8,589,000 | 11,586,000 |
| Provision for loan losses | 86,000 | 276,000 | 641,000 | 781,000 |
| Pretax income | 2,498,000 | 4,972,000 | 7,500,000 | 10,612,000 |
| Income tax | 786,000 | 1,560,000 | 2,350,000 | 3,364,000 |
| Net income | 1,712,000 | 3,412,000 | 5,150,000 | 7,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,969,000 | 48,569,000 | 48,608,000 | 48,606,000 |
| Total capital | 51,819,000 | 52,566,000 | 52,709,000 | 52,850,000 |
| Risk-weighted assets | 414,209,000 | 418,813,000 | 435,467,000 | 457,813,000 |