Call reports 2010
CITIZENS BANK OF NORTHERN KENTUCKY, INC. — 2010
What CITIZENS BANK OF NORTHERN KENTUCKY, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 278,270,000 | 264,637,000 | 251,092,000 | 249,920,000 |
| Total loans | 183,552,000 | 185,944,000 | 181,669,000 | 179,213,000 |
| Allowance for loan losses | 3,151,000 | 3,159,000 | 3,172,000 | 3,178,000 |
| Securities available for sale | 61,678,000 | 52,758,000 | 42,680,000 | 41,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,130,000 | 203,435,000 | 194,165,000 | 201,065,000 |
| Interest-bearing deposits | 200,096,000 | 183,756,000 | 173,744,000 | 178,595,000 |
| Noninterest-bearing deposits | 19,034,000 | 19,679,000 | 20,421,000 | 22,470,000 |
| Equity capital | 20,623,000 | 21,308,000 | 21,797,000 | 21,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,308,000 | 6,554,000 | 9,672,000 | 12,590,000 |
| Interest expense | 1,169,000 | 2,253,000 | 3,207,000 | 4,048,000 |
| Net interest income | 2,139,000 | 4,301,000 | 6,465,000 | 8,542,000 |
| Noninterest income | 439,000 | 914,000 | 1,492,000 | 2,016,000 |
| Noninterest expense | 2,040,000 | 4,205,000 | 6,228,000 | 8,208,000 |
| Provision for loan losses | 225,000 | 259,000 | 304,000 | 911,000 |
| Pretax income | 313,000 | 1,380,000 | 2,054,000 | 2,068,000 |
| Income tax | 78,000 | 419,000 | 587,000 | 578,000 |
| Net income | 235,000 | 961,000 | 1,467,000 | 1,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,770,000 | 19,589,000 | 20,190,000 | 20,552,000 |
| Total capital | 21,095,000 | 21,902,000 | 22,460,000 | 22,812,000 |
| Risk-weighted assets | 185,226,000 | 184,231,000 | 180,759,000 | 179,910,000 |
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