Call reports 2007
BANK OF KENTUCKY, INCORPORATED, THE — 2007
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,047,019,000 | 1,140,212,000 | 1,152,402,000 | 1,230,807,000 |
| Total loans | 821,707,000 | 911,063,000 | 922,882,000 | 952,387,000 |
| Allowance for loan losses | 7,342,000 | 8,664,000 | 8,755,000 | 8,505,000 |
| Securities available for sale | 102,691,000 | 87,717,000 | 88,784,000 | 152,069,000 |
| Securities held to maturity | 11,269,000 | 9,746,000 | 14,289,000 | 16,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 908,561,000 | 981,475,000 | 989,164,000 | 1,062,128,000 |
| Interest-bearing deposits | 761,848,000 | 828,604,000 | 830,666,000 | 894,501,000 |
| Noninterest-bearing deposits | 146,713,000 | 152,871,000 | 158,498,000 | 167,627,000 |
| Equity capital | 105,169,000 | 124,127,000 | 126,183,000 | 130,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 17,524,000 | 35,938,000 | 55,750,000 | 75,714,000 |
| Interest expense | 8,371,000 | 17,136,000 | 26,561,000 | 36,112,000 |
| Net interest income | 9,153,000 | 18,802,000 | 29,189,000 | 39,602,000 |
| Noninterest income | 3,272,000 | 6,982,000 | 10,498,000 | 14,043,000 |
| Noninterest expense | 7,922,000 | 16,008,000 | 24,366,000 | 32,682,000 |
| Provision for loan losses | 650,000 | 950,000 | 1,050,000 | 1,575,000 |
| Pretax income | 3,853,000 | 8,826,000 | 14,271,000 | 19,388,000 |
| Income tax | 1,144,000 | 2,692,000 | 4,420,000 | 5,810,000 |
| Net income | 2,709,000 | 6,134,000 | 9,851,000 | 13,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,320,000 | 101,041,000 | 103,115,000 | 106,426,000 |
| Total capital | 100,662,000 | 109,705,000 | 111,870,000 | 114,931,000 |
| Risk-weighted assets | 974,510,000 | 1,084,820,000 | 1,099,511,000 | 1,118,283,000 |