Call reports 2006
BANK OF KENTUCKY, INCORPORATED, THE — 2006
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 949,943,000 | 955,778,000 | 975,113,000 | 1,050,229,000 |
| Total loans | 749,601,000 | 791,217,000 | 813,092,000 | 818,110,000 |
| Allowance for loan losses | 7,389,000 | 7,650,000 | 6,747,000 | 6,918,000 |
| Securities available for sale | 91,530,000 | 59,170,000 | 61,279,000 | 106,925,000 |
| Securities held to maturity | 14,623,000 | 13,631,000 | 12,406,000 | 12,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 827,958,000 | 808,573,000 | 812,871,000 | 914,631,000 |
| Interest-bearing deposits | 694,926,000 | 680,220,000 | 679,773,000 | 764,908,000 |
| Noninterest-bearing deposits | 133,033,000 | 128,353,000 | 133,098,000 | 149,723,000 |
| Equity capital | 96,494,000 | 98,735,000 | 100,872,000 | 103,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 14,469,000 | 29,865,000 | 46,122,000 | 63,617,000 |
| Interest expense | 5,975,000 | 12,471,000 | 19,725,000 | 27,877,000 |
| Net interest income | 8,494,000 | 17,394,000 | 26,397,000 | 35,740,000 |
| Noninterest income | 2,448,000 | 5,022,000 | 8,150,000 | 11,788,000 |
| Noninterest expense | 6,612,000 | 13,600,000 | 20,680,000 | 28,206,000 |
| Provision for loan losses | 400,000 | 800,000 | 1,300,000 | 1,700,000 |
| Pretax income | 3,930,000 | 8,016,000 | 12,567,000 | 17,622,000 |
| Income tax | 1,211,000 | 2,432,000 | 3,834,000 | 5,408,000 |
| Net income | 2,719,000 | 5,584,000 | 8,733,000 | 12,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,449,000 | 86,977,000 | 88,887,000 | 91,650,000 |
| Total capital | 91,838,000 | 94,627,000 | 95,634,000 | 98,568,000 |
| Risk-weighted assets | 886,073,000 | 928,157,000 | 944,297,000 | 968,424,000 |