Call reports 2009
BANK OF KENTUCKY, INCORPORATED, THE — 2009
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,313,851,000 | 1,332,958,000 | 1,390,529,000 | 1,562,492,000 |
| Total loans | 1,032,446,000 | 1,064,022,000 | 1,113,128,000 | 1,163,438,000 |
| Allowance for loan losses | 10,753,000 | 11,816,000 | 13,778,000 | 15,153,000 |
| Securities available for sale | 123,974,000 | 127,465,000 | 117,862,000 | 183,845,000 |
| Securities held to maturity | 35,219,000 | 35,794,000 | 35,871,000 | 30,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,100,763,000 | 1,122,019,000 | 1,151,473,000 | 1,346,186,000 |
| Interest-bearing deposits | 936,502,000 | 946,034,000 | 974,886,000 | 1,142,934,000 |
| Noninterest-bearing deposits | 164,261,000 | 175,985,000 | 176,587,000 | 203,252,000 |
| Equity capital | 151,086,000 | 153,333,000 | 155,804,000 | 155,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 15,114,000 | 30,641,000 | 46,416,000 | 62,734,000 |
| Interest expense | 4,708,000 | 9,138,000 | 13,414,000 | 17,492,000 |
| Net interest income | 10,406,000 | 21,503,000 | 33,002,000 | 45,242,000 |
| Noninterest income | 3,838,000 | 8,062,000 | 11,651,000 | 15,904,000 |
| Noninterest expense | 8,649,000 | 18,024,000 | 26,905,000 | 35,995,000 |
| Provision for loan losses | 1,525,000 | 4,325,000 | 8,325,000 | 12,825,000 |
| Pretax income | 4,333,000 | 7,479,000 | 9,686,000 | 13,054,000 |
| Income tax | 1,239,000 | 2,060,000 | 2,546,000 | 3,394,000 |
| Net income | 3,094,000 | 5,419,000 | 7,140,000 | 9,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,606,000 | 131,224,000 | 133,207,000 | 126,030,000 |
| Total capital | 159,359,000 | 163,040,000 | 166,985,000 | 161,183,000 |
| Risk-weighted assets | 1,199,703,000 | 1,221,285,000 | 1,279,154,000 | 1,351,635,000 |