Call reports 2003
BANK OF KENTUCKY, INCORPORATED, THE — 2003
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 778,025,000 | 788,852,000 | 782,332,000 | 814,514,000 |
| Total loans | 610,611,000 | 620,540,000 | 628,546,000 | 661,459,000 |
| Allowance for loan losses | 6,446,000 | 6,539,000 | 6,590,000 | 6,855,000 |
| Securities available for sale | 66,459,000 | 47,896,000 | 44,141,000 | 44,424,000 |
| Securities held to maturity | 14,573,000 | 17,624,000 | 17,163,000 | 15,111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 670,206,000 | 679,432,000 | 673,564,000 | 699,553,000 |
| Interest-bearing deposits | 579,102,000 | 585,494,000 | 565,006,000 | 592,276,000 |
| Noninterest-bearing deposits | 91,104,000 | 93,938,000 | 108,558,000 | 107,277,000 |
| Equity capital | 75,848,000 | 78,236,000 | 79,787,000 | 82,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 10,182,000 | 20,030,000 | 29,719,000 | 39,370,000 |
| Interest expense | 3,443,000 | 6,582,000 | 9,306,000 | 11,895,000 |
| Net interest income | 6,739,000 | 13,448,000 | 20,413,000 | 27,475,000 |
| Noninterest income | 1,910,000 | 4,524,000 | 7,053,000 | 8,939,000 |
| Noninterest expense | 4,895,000 | 9,995,000 | 15,223,000 | 20,328,000 |
| Provision for loan losses | 150,000 | 325,000 | 590,000 | 1,090,000 |
| Pretax income | 3,604,000 | 7,652,000 | 11,653,000 | 14,996,000 |
| Income tax | 1,221,000 | 2,600,000 | 3,921,000 | 5,019,000 |
| Net income | 2,383,000 | 5,052,000 | 7,732,000 | 9,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,525,000 | 64,020,000 | 65,863,000 | 68,267,000 |
| Total capital | 67,971,000 | 70,559,000 | 72,453,000 | 75,120,000 |
| Risk-weighted assets | 647,640,000 | 669,509,000 | 680,826,000 | 727,638,000 |