Call reports 2013
BANK OF KENTUCKY, INCORPORATED, THE — 2013
What BANK OF KENTUCKY, INCORPORATED, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,822,662,000 | 1,765,798,000 | 1,801,203,000 | 1,856,362,000 |
| Total loans | 1,201,780,000 | 1,195,358,000 | 1,203,627,000 | 1,252,859,000 |
| Allowance for loan losses | 16,641,000 | 16,650,000 | 16,632,000 | 16,306,000 |
| Securities available for sale | 299,380,000 | 306,547,000 | 310,558,000 | 341,124,000 |
| Securities held to maturity | 77,074,000 | 77,857,000 | 78,371,000 | 77,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,563,952,000 | 1,508,097,000 | 1,531,462,000 | 1,590,480,000 |
| Interest-bearing deposits | 1,231,203,000 | 1,169,128,000 | 1,153,425,000 | 1,228,498,000 |
| Noninterest-bearing deposits | 332,749,000 | 338,969,000 | 378,037,000 | 361,982,000 |
| Equity capital | 189,985,000 | 188,486,000 | 194,103,000 | 199,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 14,867,000 | 29,745,000 | 44,780,000 | 59,914,000 |
| Interest expense | 1,203,000 | 2,296,000 | 3,308,000 | 4,304,000 |
| Net interest income | 13,664,000 | 27,449,000 | 41,472,000 | 55,610,000 |
| Noninterest income | 5,587,000 | 11,428,000 | 17,484,000 | 23,737,000 |
| Noninterest expense | 11,620,000 | 23,065,000 | 34,652,000 | 46,115,000 |
| Provision for loan losses | 2,000,000 | 3,600,000 | 4,200,000 | 4,700,000 |
| Pretax income | 5,905,000 | 12,486,000 | 20,378,000 | 28,806,000 |
| Income tax | 1,662,000 | 3,560,000 | 5,881,000 | 8,383,000 |
| Net income | 4,243,000 | 8,926,000 | 14,497,000 | 20,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 159,525,000 | 162,364,000 | 168,086,000 | 174,160,000 |
| Total capital | 192,166,000 | 195,014,000 | 200,718,000 | 206,466,000 |
| Risk-weighted assets | 1,469,290,000 | 1,468,642,000 | 1,490,188,000 | 1,544,034,000 |