Call reports 2005
BANK OF KENTUCKY, INCORPORATED, THE — 2005
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 879,274,000 | 871,594,000 | 895,653,000 | 956,023,000 |
| Total loans | 730,096,000 | 735,322,000 | 735,339,000 | 732,668,000 |
| Allowance for loan losses | 7,320,000 | 7,364,000 | 7,581,000 | 7,581,000 |
| Securities available for sale | 44,223,000 | 44,076,000 | 48,379,000 | 79,552,000 |
| Securities held to maturity | 16,409,000 | 15,292,000 | 14,190,000 | 14,823,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 731,542,000 | 741,037,000 | 770,964,000 | 831,571,000 |
| Interest-bearing deposits | 613,916,000 | 614,499,000 | 637,413,000 | 695,491,000 |
| Noninterest-bearing deposits | 117,626,000 | 126,539,000 | 133,550,000 | 136,080,000 |
| Equity capital | 90,701,000 | 92,719,000 | 94,238,000 | 96,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,436,000 | 23,724,000 | 36,814,000 | 50,755,000 |
| Interest expense | 3,275,000 | 7,052,000 | 11,528,000 | 16,986,000 |
| Net interest income | 8,161,000 | 16,672,000 | 25,286,000 | 33,769,000 |
| Noninterest income | 1,920,000 | 4,262,000 | 6,776,000 | 9,085,000 |
| Noninterest expense | 5,648,000 | 11,829,000 | 18,401,000 | 25,024,000 |
| Provision for loan losses | 350,000 | 825,000 | 1,475,000 | 1,825,000 |
| Pretax income | 4,083,000 | 8,280,000 | 12,186,000 | 16,005,000 |
| Income tax | 1,343,000 | 2,727,000 | 3,957,000 | 5,035,000 |
| Net income | 2,740,000 | 5,553,000 | 8,229,000 | 10,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,856,000 | 79,830,000 | 81,667,000 | 84,069,000 |
| Total capital | 85,176,000 | 87,194,000 | 89,248,000 | 91,650,000 |
| Risk-weighted assets | 823,376,000 | 825,136,000 | 841,536,000 | 868,286,000 |