Call reports 2008
BANK OF KENTUCKY, INCORPORATED, THE — 2008
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,236,479,000 | 1,206,840,000 | 1,212,999,000 | 1,253,995,000 |
| Total loans | 962,949,000 | 984,799,000 | 1,000,284,000 | 1,029,182,000 |
| Allowance for loan losses | 8,820,000 | 9,099,000 | 9,464,000 | 9,910,000 |
| Securities available for sale | 93,988,000 | 74,876,000 | 72,601,000 | 85,487,000 |
| Securities held to maturity | 17,215,000 | 26,266,000 | 25,218,000 | 33,725,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,041,968,000 | 1,032,129,000 | 992,861,000 | 1,071,211,000 |
| Interest-bearing deposits | 889,014,000 | 864,227,000 | 829,050,000 | 914,071,000 |
| Noninterest-bearing deposits | 152,955,000 | 167,902,000 | 163,811,000 | 157,140,000 |
| Equity capital | 114,470,000 | 117,026,000 | 119,000,000 | 122,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 18,509,000 | 35,551,000 | 52,412,000 | 68,682,000 |
| Interest expense | 8,267,000 | 14,811,000 | 20,892,000 | 26,525,000 |
| Net interest income | 10,242,000 | 20,740,000 | 31,520,000 | 42,157,000 |
| Noninterest income | 3,555,000 | 7,211,000 | 11,119,000 | 14,767,000 |
| Noninterest expense | 8,517,000 | 16,715,000 | 25,241,000 | 33,292,000 |
| Provision for loan losses | 800,000 | 2,400,000 | 3,175,000 | 4,850,000 |
| Pretax income | 4,480,000 | 8,836,000 | 14,223,000 | 18,782,000 |
| Income tax | 1,361,000 | 2,666,000 | 4,293,000 | 5,653,000 |
| Net income | 3,119,000 | 6,170,000 | 9,930,000 | 13,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,937,000 | 94,323,000 | 96,379,000 | 100,212,000 |
| Total capital | 119,757,000 | 123,422,000 | 125,843,000 | 130,122,000 |
| Risk-weighted assets | 1,132,609,000 | 1,138,687,000 | 1,156,288,000 | 1,179,052,000 |