Call reports 2011
BANK OF KENTUCKY, INCORPORATED, THE — 2011
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,634,016,000 | 1,600,545,000 | 1,623,286,000 | 1,743,596,000 |
| Total loans | 1,119,359,000 | 1,129,618,000 | 1,125,242,000 | 1,138,874,000 |
| Allowance for loan losses | 17,688,000 | 17,817,000 | 17,941,000 | 18,288,000 |
| Securities available for sale | 288,154,000 | 277,784,000 | 294,388,000 | 322,512,000 |
| Securities held to maturity | 39,866,000 | 42,168,000 | 45,392,000 | 48,975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,391,969,000 | 1,355,766,000 | 1,369,952,000 | 1,499,264,000 |
| Interest-bearing deposits | 1,145,160,000 | 1,101,570,000 | 1,097,949,000 | 1,215,852,000 |
| Noninterest-bearing deposits | 246,809,000 | 254,196,000 | 272,003,000 | 283,412,000 |
| Equity capital | 177,902,000 | 183,556,000 | 186,314,000 | 173,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 15,998,000 | 32,422,000 | 48,702,000 | 64,798,000 |
| Interest expense | 2,571,000 | 4,887,000 | 7,010,000 | 8,934,000 |
| Net interest income | 13,427,000 | 27,535,000 | 41,692,000 | 55,864,000 |
| Noninterest income | 4,692,000 | 9,667,000 | 14,963,000 | 20,493,000 |
| Noninterest expense | 10,193,000 | 20,735,000 | 31,381,000 | 41,708,000 |
| Provision for loan losses | 3,000,000 | 6,000,000 | 8,550,000 | 10,750,000 |
| Pretax income | 5,157,000 | 10,698,000 | 16,955,000 | 24,130,000 |
| Income tax | 1,474,000 | 3,090,000 | 4,951,000 | 7,094,000 |
| Net income | 3,683,000 | 7,608,000 | 12,004,000 | 17,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,027,000 | 152,171,000 | 154,275,000 | 141,882,000 |
| Total capital | 184,812,000 | 189,085,000 | 191,243,000 | 179,253,000 |
| Risk-weighted assets | 1,341,437,000 | 1,352,224,000 | 1,355,676,000 | 1,388,767,000 |