Call reports 2011
CITIZENS BANK OF NORTHERN KENTUCKY, INC. — 2011
What CITIZENS BANK OF NORTHERN KENTUCKY, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 250,769,000 | 251,441,000 | 249,787,000 | 255,922,000 |
| Total loans | 176,901,000 | 173,160,000 | 170,520,000 | 169,954,000 |
| Allowance for loan losses | 3,178,000 | 3,117,000 | 3,003,000 | 2,942,000 |
| Securities available for sale | 44,657,000 | 49,567,000 | 53,034,000 | 56,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,159,000 | 201,085,000 | 199,446,000 | 204,602,000 |
| Interest-bearing deposits | 178,763,000 | 177,858,000 | 178,480,000 | 184,204,000 |
| Noninterest-bearing deposits | 22,396,000 | 23,227,000 | 20,966,000 | 20,398,000 |
| Equity capital | 21,857,000 | 22,583,000 | 22,713,000 | 23,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,838,000 | 5,637,000 | 8,399,000 | 11,119,000 |
| Interest expense | 715,000 | 1,425,000 | 2,109,000 | 2,751,000 |
| Net interest income | 2,123,000 | 4,212,000 | 6,290,000 | 8,368,000 |
| Noninterest income | 357,000 | 677,000 | 1,382,000 | 1,193,000 |
| Noninterest expense | 1,923,000 | 3,990,000 | 5,985,000 | 7,913,000 |
| Provision for loan losses | 73,000 | 37,000 | 405,000 | 713,000 |
| Pretax income | 484,000 | 862,000 | 523,000 | 992,000 |
| Income tax | 205,000 | 286,000 | 120,000 | 244,000 |
| Net income | 279,000 | 576,000 | 403,000 | 748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,895,000 | 21,256,000 | 21,147,000 | 21,553,000 |
| Total capital | 23,140,000 | 23,451,000 | 23,324,000 | 23,764,000 |
| Risk-weighted assets | 178,688,000 | 174,707,000 | 173,356,000 | 176,136,000 |
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