Call reports 2012
BANK OF KENTUCKY, INCORPORATED, THE — 2012
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,751,586,000 | 1,702,735,000 | 1,720,819,000 | 1,842,930,000 |
| Total loans | 1,141,063,000 | 1,157,715,000 | 1,178,388,000 | 1,211,733,000 |
| Allowance for loan losses | 18,362,000 | 18,346,000 | 16,585,000 | 16,568,000 |
| Securities available for sale | 322,997,000 | 321,322,000 | 302,543,000 | 314,443,000 |
| Securities held to maturity | 51,089,000 | 54,882,000 | 58,314,000 | 66,844,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,506,962,000 | 1,456,341,000 | 1,472,080,000 | 1,571,681,000 |
| Interest-bearing deposits | 1,209,479,000 | 1,147,509,000 | 1,153,871,000 | 1,218,123,000 |
| Noninterest-bearing deposits | 297,483,000 | 308,832,000 | 318,209,000 | 353,558,000 |
| Equity capital | 175,875,000 | 180,914,000 | 184,503,000 | 187,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 15,688,000 | 31,350,000 | 46,785,000 | 62,523,000 |
| Interest expense | 1,753,000 | 3,276,000 | 4,662,000 | 5,983,000 |
| Net interest income | 13,935,000 | 28,074,000 | 42,123,000 | 56,540,000 |
| Noninterest income | 5,400,000 | 10,756,000 | 16,616,000 | 22,219,000 |
| Noninterest expense | 11,215,000 | 22,683,000 | 34,387,000 | 45,957,000 |
| Provision for loan losses | 1,800,000 | 3,500,000 | 5,700,000 | 7,000,000 |
| Pretax income | 6,527,000 | 12,850,000 | 18,855,000 | 26,005,000 |
| Income tax | 1,861,000 | 3,654,000 | 5,338,000 | 7,347,000 |
| Net income | 4,666,000 | 9,196,000 | 13,517,000 | 18,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,539,000 | 149,270,000 | 151,784,000 | 156,113,000 |
| Total capital | 182,085,000 | 186,736,000 | 188,369,000 | 192,681,000 |
| Risk-weighted assets | 1,402,888,000 | 1,396,388,000 | 1,407,368,000 | 1,457,482,000 |