Call reports 2010
BANK OF KENTUCKY, INCORPORATED, THE — 2010
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,594,328,000 | 1,518,505,000 | 1,508,963,000 | 1,663,790,000 |
| Total loans | 1,144,680,000 | 1,129,759,000 | 1,142,071,000 | 1,121,288,000 |
| Allowance for loan losses | 15,607,000 | 16,531,000 | 17,163,000 | 17,368,000 |
| Securities available for sale | 210,986,000 | 204,515,000 | 202,691,000 | 245,448,000 |
| Securities held to maturity | 29,564,000 | 29,203,000 | 37,867,000 | 39,778,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,377,511,000 | 1,301,768,000 | 1,272,975,000 | 1,425,524,000 |
| Interest-bearing deposits | 1,133,773,000 | 1,097,793,000 | 1,060,724,000 | 1,161,195,000 |
| Noninterest-bearing deposits | 243,738,000 | 203,975,000 | 212,251,000 | 264,330,000 |
| Equity capital | 157,827,000 | 161,990,000 | 162,523,000 | 173,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 16,773,000 | 33,587,000 | 50,280,000 | 66,681,000 |
| Interest expense | 3,760,000 | 7,040,000 | 10,051,000 | 12,943,000 |
| Net interest income | 13,013,000 | 26,547,000 | 40,229,000 | 53,738,000 |
| Noninterest income | 4,604,000 | 9,545,000 | 15,172,000 | 20,714,000 |
| Noninterest expense | 10,435,000 | 20,613,000 | 31,246,000 | 41,903,000 |
| Provision for loan losses | 4,500,000 | 9,000,000 | 12,500,000 | 15,500,000 |
| Pretax income | 2,682,000 | 6,479,000 | 11,655,000 | 17,049,000 |
| Income tax | 626,000 | 1,643,000 | 3,146,000 | 4,716,000 |
| Net income | 2,056,000 | 4,836,000 | 8,509,000 | 12,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,456,000 | 129,613,000 | 130,649,000 | 143,833,000 |
| Total capital | 162,063,000 | 166,144,000 | 167,160,000 | 180,545,000 |
| Risk-weighted assets | 1,346,574,000 | 1,322,213,000 | 1,319,435,000 | 1,335,527,000 |