Call reports 2004
BANK OF KENTUCKY, INCORPORATED, THE — 2004
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 818,488,000 | 831,783,000 | 852,123,000 | 876,858,000 |
| Total loans | 677,956,000 | 693,849,000 | 714,362,000 | 720,548,000 |
| Allowance for loan losses | 7,017,000 | 7,180,000 | 7,385,000 | 7,214,000 |
| Securities available for sale | 33,923,000 | 36,483,000 | 35,427,000 | 52,204,000 |
| Securities held to maturity | 14,973,000 | 13,750,000 | 13,206,000 | 12,062,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 697,133,000 | 697,819,000 | 709,057,000 | 753,266,000 |
| Interest-bearing deposits | 594,314,000 | 579,230,000 | 592,875,000 | 631,346,000 |
| Noninterest-bearing deposits | 102,819,000 | 118,589,000 | 116,182,000 | 121,920,000 |
| Equity capital | 83,515,000 | 84,871,000 | 86,792,000 | 89,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,777,000 | 19,818,000 | 30,449,000 | 41,590,000 |
| Interest expense | 2,523,000 | 5,033,000 | 7,740,000 | 10,768,000 |
| Net interest income | 7,254,000 | 14,785,000 | 22,709,000 | 30,822,000 |
| Noninterest income | 1,899,000 | 4,105,000 | 6,126,000 | 8,262,000 |
| Noninterest expense | 5,131,000 | 10,443,000 | 15,977,000 | 21,427,000 |
| Provision for loan losses | 325,000 | 675,000 | 1,175,000 | 1,675,000 |
| Pretax income | 3,707,000 | 7,782,000 | 11,693,000 | 15,992,000 |
| Income tax | 1,217,000 | 2,570,000 | 3,864,000 | 5,281,000 |
| Net income | 2,490,000 | 5,212,000 | 7,829,000 | 10,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,918,000 | 71,802,000 | 73,581,000 | 76,624,000 |
| Total capital | 76,935,000 | 78,982,000 | 80,966,000 | 83,838,000 |
| Risk-weighted assets | 739,853,000 | 774,301,000 | 794,219,000 | 817,724,000 |