The Bank of Kentucky, Inc. in Crestview Hills, Kentucky (KY), OH
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Kentucky, Inc. - Overview

  • General
  • FDIC Certificate #: 33022
    Status: Active
    Federal Reserve ID: 1459034
    Bank Holding Company (Regulatory Top Holder): Bank Of Kentucky Financial Corporation, The (RSSDID: 2291624, Location: Crestview Hills, KY)
    Date Established: August 01, 1990
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 33 (Domestic: 32, Interstate: No)
    OTS Docket #: 12345
    FDIC's unique #: 46205
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 01, 1990
    Last Structure Change Effective Date: October 28, 2011
    Last Structure Change Process Date: November 10, 2011
    Last Data Update: November 10, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 Lookout Farm Drive, Crestview Hills, KY 41017
    County: Kenton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,743.6 mil
    Equity capital: $173.8 mil
    Deposits held in domestic offices: $1,499.3 mil
    Return on assets (ROA): 1.03% ($18.0 mil)
    Quarterly return on assets: 1.20% ($20.9 mil)
    Return on Equity (ROE): 9.51% ($16.5 mil)
    Quarterly return on equity: 11.18% ($19.5 mil)
    Net income: $17.0 mil
    Quarterly Net income: $5.0 mil
    Pretax return on assets: 1.46% ($25,456.5 mil)
    Quarterly Pretax return on assets: 1.70% ($29,641.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 356Total employees (full-time equivalent)
  • $1,743,596Total assets
  • $62,111Cash and due from depository institutions
  • $2,691Interest-bearing balances
  • $371,487Securities
  • $72,918Federal funds sold & reverse repurchase agreements
  • $1,120,586Net loans & leases
  • $18,288Loan loss allowance
  • $0Trading account assets
  • $22,827Bank premises and fixed assets
  • $5,844Other real estate owned
  • $25,267Goodwill and other intangibles
  • $1,743,596Life insurance assets
  • $62,556All other assets
  • $1,569,802Total liabilities and capital
  • $1,499,264Total liabilities
  • $1,215,852Total deposits
  • $1,499,264Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 29300.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,182Trading liabilities
  • $20,000Other borrowed funds
  • $11,056Subordinated debt
  • $173,794All other liabilities
  • $173,794Total equity capital
  • $173,794Total bank equity capital
  • $0Perpetual preferred stock
  • $1,166Common stock
  • $113,779Surplus
  • $58,849Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $8,920Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,870Income earned, not collected on loans
  • $0Earning assets
  • $4,887Long-term assets (5+ years)
  • $1,567,682Average Assets, year-to-date
  • $295,790Average Assets, quarterly
  • $1,653,047Volatile liabilities
  • $1,683,441Insider loans
  • $1,388,767FHLB advances
  • $1,682,451Loans and leases held for sale
  • $32,850Unused loan commitments
  • $32,850Tier 1 (core) risk-based capital
  • $141,882Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $321,922Restructured Loans and leases
  • $23,524Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $64,798Total interest income
  • $8,934Total interest expense
  • $55,864Net interest income
  • $10,750Provision for loan and lease losses
  • $20,493Total noninterest income
  • $2,507Fiduciary activities
  • $9,441Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,545Additional noninterest income
  • $41,708Total noninterest expense
  • $19,991Salaries and employee benefits
  • $4,897Premises and equipment expense
  • $16,820Additional noninterest expense
  • $23,899Pre-tax net operating income
  • $231Securities gains (losses)
  • $7,094Applicable income taxes
  • $17,036Income before extraordinary items
  • $0Extraordinary gains - net
  • $17,036Net income attributable to bank
  • $0Net charge-offs
  • $17,036Cash dividends
  • $9,830Sale, conversion, retirement of capital stock, net
  • $19,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 3.73%Net interest margin
  • 1.37%Noninterest income to earning assets
  • 2.78%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 9.51%Return on equity (ROE)
  • -1.38%Retained earnings to average equity (YTD only)
  • 0.87%Net charge-offs to loans
  • 109.36%Credit loss provision to net charge-offs
  • 3.52%Efficiency ratio
  • 53,499Assets per employee
  • 4.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 114.46%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 115.24%Noncurrent assets plus other real estate owned to assets
  • 1.25%Noncurrent loans to loans
  • 1.39%Net loans and leases to deposits
  • 74.74%Net loans and leases to core deposits
  • 78.56%Equity capital to assets
  • 9.97%Core capital (leverage) ratio
  • 8.43%Tier 1 risk-based capital ratio
  • 10.22%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,653,047Average earning assets
  • $179,082Average equity
  • $1,497,787Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $614,620Managed Assets
  • 1Number of Accounts
  • $579,652Personal trust and agency accounts
  • $83,785Employee benefit-defined contribution accounts
  • $2,066Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $43,771Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $413,419Other fiduciary accounts
  • $36,611Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 436Number of Accounts
  • $0Personal trust and agency accounts
  • $43,771Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $34,968Other retirement accounts
  • $26Corporate trust and agency accounts
  • $3,794Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 32 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    046205The Bank Of Kentucky, Inc.111 Lookout Farm Drive, Crestview Hills, KY 41017August 01, 1990Full Service Brick and Mortar
    1289181Mt. Zion Branch330 Mt. Zion Road, Florence, KY 41042January 08, 1992Full Service Brick and Mortar
    2289182Belleview Branch6710 Mcville Road, Burlington, KY 41005October 05, 1992Full Service Brick and Mortar
    3289183Houston Road Branch4748 Houston Road, Florence, KY 41042April 26, 1994Full Service Brick and Mortar
    4289184Walton Branch116 Stephenson Mill Road, Walton, KY 41094November 14, 1994Full Service Brick and Mortar
    54453019th & Madison Branch1831 Madison Avenue, Covington, KY 41014January 01, 1887Full Service Brick and Mortar
    6289185Turkeyfoot Bankmart Branch3950-A Turkeyfoot Road, Erlanger, KY 41018November 01, 1995Full Service Retail
    7289186Erlanger Branch3133 Dixie Highway, Erlanger, KY 41018April 03, 1996Full Service Brick and Mortar
    9289188Us42 Branch8660 Haines Drive, Florence, KY 41042December 12, 1997Full Service Brick and Mortar
    10289189Wal-Mart Branch20 Ferguson Boulevard, Dry Ridge, KY 41035September 01, 1999Full Service Retail
    11289190Covington Branch231 Scott Street, Covington, KY 41011January 19, 2000Full Service Brick and Mortar
    1243570Ft. Thomas Branch25 N Ft Thomas Ave, Fort Thomas, KY 41075January 01, 1910Full Service Brick and Mortar
    13281905Alexandria Branch7612 Alexandria Pike, Alexandria, KY 41001January 01, 1910Full Service Brick and Mortar
    14358666Dry Ridge Branch12 Taft Highway, Dry Ridge, KY 41035April 10, 2000Full Service Brick and Mortar
    15364459Dayton Branch118 6th Street, Dayton, KY 41074July 11, 2001Full Service Retail
    16364460Carothers Road Branch82 Carothers Road, Newport, KY 41071December 11, 2001Full Service Retail
    1747421Burlington Branch1065 Burlington Pike, Florence, KY 41042January 13, 1992Full Service Brick and Mortar
    18289737Crescent Springs BranchButtermilk Pike And Anderson Road, Crescent Springs, KY 41017December 19, 1994Full Service Brick and Mortar
    19289738Edgewood Branch591 Freedom Park Drive, Edgewood, KY 41017June 20, 1995Full Service Brick and Mortar
    20289739Fort Wright Branch1850 Ashwood Circle, Fort Wright, KY 41011Febuary 05, 1996Full Service Brick and Mortar
    21289740Independence Branch1900 Declaration Drive, Independence, KY 41051August 09, 1998Full Service Retail
    22356740Hebron Branch2110 North Bend Road, Hebron, KY 41048April 10, 2000Full Service Brick and Mortar
    23362615Richwood Branch320 Richwood Road, Walton, KY 41094November 07, 2001Full Service Brick and Mortar
    24365215Highland Heights Branch2800 Alexandria Pike, Highland Heights, KY 41076May 08, 2002Full Service Brick and Mortar
    25430982Highland Pike & Route 17 Branch3435 Valley Plaza Parkway, Covington, KY 41011June 09, 2004Full Service Brick and Mortar
    26447446Monmouth Street Branch501 Monmouth Street, Newport, KY 41071November 17, 2005Full Service Brick and Mortar
    2747438Ft Mitchell Branch350 Buttermilk Pike, Fort Mitchell, KY 41017Febuary 24, 1992Full Service Brick and Mortar
    286737Warsaw Branch400 East Main Street, Warsaw, KY 41095January 01, 1922Full Service Brick and Mortar
    295597Dry Ridge Branch20 North Main Street, Dry Ridge, KY 41035June 01, 1918Full Service Brick and Mortar
    305589Crittenden BranchU.S. Highway 25, Crittenden, KY 41030May 15, 1893Full Service Brick and Mortar
    33500345Nicholson Branch12010 Madison Pike, Independence, KY 41051December 09, 2009Full Service Brick and Mortar
    3447816Bank Of Kentucky, Inc Bank Branch515 Barkley Street, Falmouth, KY 41040October 26, 1992Full Service Brick and Mortar
  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    35528033Cincinnati Branch100 East Fourth Street, Cincinnati, OH 45202January 17, 2012Full Service Retail

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