Call reports 2009
CITIZENS BANK OF NORTHERN KENTUCKY, INC. — 2009
What CITIZENS BANK OF NORTHERN KENTUCKY, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 274,310,000 | 282,663,000 | 293,539,000 | 273,816,000 |
| Total loans | 181,933,000 | 184,500,000 | 181,744,000 | 185,515,000 |
| Allowance for loan losses | 2,081,000 | 2,051,000 | 2,067,000 | 3,153,000 |
| Securities available for sale | 44,335,000 | 49,660,000 | 64,952,000 | 63,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,631,000 | 200,944,000 | 210,036,000 | 214,421,000 |
| Interest-bearing deposits | 172,717,000 | 180,201,000 | 190,113,000 | 195,321,000 |
| Noninterest-bearing deposits | 18,914,000 | 20,743,000 | 19,923,000 | 19,100,000 |
| Equity capital | 41,633,000 | 41,354,000 | 42,295,000 | 20,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,414,000 | 6,804,000 | 10,278,000 | 13,681,000 |
| Interest expense | 1,366,000 | 2,713,000 | 4,054,000 | 5,320,000 |
| Net interest income | 2,048,000 | 4,091,000 | 6,224,000 | 8,361,000 |
| Noninterest income | 510,000 | 935,000 | 1,351,000 | 1,779,000 |
| Noninterest expense | 2,043,000 | 4,211,000 | 6,179,000 | 28,862,000 |
| Provision for loan losses | 52,000 | 154,000 | 267,000 | 2,542,000 |
| Pretax income | 470,000 | 676,000 | 1,144,000 | -21,241,000 |
| Income tax | 165,000 | 215,000 | 361,000 | -313,000 |
| Net income | 305,000 | 461,000 | 783,000 | -20,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,793,000 | 19,078,000 | 19,531,000 | 18,443,000 |
| Total capital | 20,874,000 | 21,129,000 | 21,598,000 | 20,829,000 |
| Risk-weighted assets | 189,957,000 | 191,950,000 | 190,423,000 | 190,157,000 |
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