Call reports 2008
CITIZENS BANK OF NORTHERN KENTUCKY, INC. — 2008
What CITIZENS BANK OF NORTHERN KENTUCKY, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 269,269,000 | 271,205,000 | 274,290,000 | 274,933,000 |
| Total loans | 174,363,000 | 180,329,000 | 178,752,000 | 180,201,000 |
| Allowance for loan losses | 1,416,000 | 1,396,000 | 1,798,000 | 2,034,000 |
| Securities available for sale | 48,401,000 | 47,878,000 | 47,273,000 | 47,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,604,000 | 194,480,000 | 193,007,000 | 190,577,000 |
| Interest-bearing deposits | 175,769,000 | 172,655,000 | 172,064,000 | 167,825,000 |
| Noninterest-bearing deposits | 18,835,000 | 21,825,000 | 20,943,000 | 22,752,000 |
| Equity capital | 41,244,000 | 40,627,000 | 40,294,000 | 41,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,760,000 | 7,430,000 | 11,067,000 | 14,596,000 |
| Interest expense | 1,797,000 | 3,450,000 | 5,072,000 | 6,629,000 |
| Net interest income | 1,963,000 | 3,980,000 | 5,995,000 | 7,967,000 |
| Noninterest income | 433,000 | 788,000 | 1,230,000 | 1,588,000 |
| Noninterest expense | 2,032,000 | 4,023,000 | 6,022,000 | 8,170,000 |
| Provision for loan losses | 90,000 | 140,000 | 880,000 | 1,193,000 |
| Pretax income | 355,000 | 686,000 | 404,000 | 283,000 |
| Income tax | 127,000 | 241,000 | 139,000 | 84,000 |
| Net income | 228,000 | 445,000 | 265,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,302,000 | 18,550,000 | 18,554,000 | 18,356,000 |
| Total capital | 19,718,000 | 19,946,000 | 20,352,000 | 20,390,000 |
| Risk-weighted assets | 186,360,000 | 189,600,000 | 190,837,000 | 189,841,000 |
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