Call reports 2012
INDEPENDENCE BANK OF KENTUCKY — 2012
What INDEPENDENCE BANK OF KENTUCKY 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 | 1,135,232,000 | 1,187,649,000 | 1,200,752,000 | 1,242,890,000 |
| Total loans | 707,890,000 | 738,423,000 | 737,267,000 | 775,492,000 |
| Allowance for loan losses | 9,640,000 | 9,761,000 | 9,774,000 | 9,615,000 |
| Securities available for sale | 171,943,000 | 173,727,000 | 168,263,000 | 164,912,000 |
| Securities held to maturity | 203,280,000 | 217,605,000 | 230,142,000 | 231,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 961,130,000 | 972,457,000 | 967,682,000 | 1,044,132,000 |
| Interest-bearing deposits | 858,047,000 | 874,903,000 | 865,478,000 | 933,282,000 |
| Noninterest-bearing deposits | 103,083,000 | 97,554,000 | 102,204,000 | 110,850,000 |
| Equity capital | 85,416,000 | 88,797,000 | 93,182,000 | 105,882,000 |
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 | 14,555,000 | 29,795,000 | 44,520,000 | 59,092,000 |
| Interest expense | 2,715,000 | 5,362,000 | 7,803,000 | 10,289,000 |
| Net interest income | 11,840,000 | 24,433,000 | 36,717,000 | 48,803,000 |
| Noninterest income | 1,535,000 | 2,806,000 | 4,326,000 | 5,726,000 |
| Noninterest expense | 6,916,000 | 14,582,000 | 21,845,000 | 29,102,000 |
| Provision for loan losses | 450,000 | 600,000 | 750,000 | 900,000 |
| Pretax income | 6,009,000 | 12,057,000 | 18,448,000 | 24,527,000 |
| Income tax | 1,537,000 | 3,020,000 | 4,642,000 | 6,070,000 |
| Net income | 4,472,000 | 9,037,000 | 13,806,000 | 18,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,787,000 | 82,866,000 | 86,149,000 | 99,320,000 |
| Total capital | 89,257,000 | 92,627,000 | 95,923,000 | 108,935,000 |
| Risk-weighted assets | 757,397,000 | 792,491,000 | 799,317,000 | 839,637,000 |