Call reports 2012
CITIZENS BANK OF NORTHERN KENTUCKY, INC. — 2012
What CITIZENS BANK OF NORTHERN KENTUCKY, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 257,309,000 | 252,826,000 | 251,388,000 | 250,755,000 |
| Total loans | 169,815,000 | 166,291,000 | 163,698,000 | 167,622,000 |
| Allowance for loan losses | 2,913,000 | 2,879,000 | 2,713,000 | 2,486,000 |
| Securities available for sale | 56,632,000 | 56,224,000 | 57,254,000 | 53,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,934,000 | 201,151,000 | 198,787,000 | 205,634,000 |
| Interest-bearing deposits | 181,411,000 | 177,944,000 | 173,081,000 | 175,724,000 |
| Noninterest-bearing deposits | 24,523,000 | 23,207,000 | 25,706,000 | 29,910,000 |
| Equity capital | 23,313,000 | 23,761,000 | 24,447,000 | 24,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,678,000 | 5,342,000 | 7,954,000 | 10,541,000 |
| Interest expense | 598,000 | 1,146,000 | 1,671,000 | 2,101,000 |
| Net interest income | 2,080,000 | 4,196,000 | 6,283,000 | 8,440,000 |
| Noninterest income | 422,000 | 886,000 | 1,461,000 | 1,870,000 |
| Noninterest expense | 2,107,000 | 4,233,000 | 6,370,000 | 8,405,000 |
| Provision for loan losses | 83,000 | 266,000 | 109,000 | -96,000 |
| Pretax income | 312,000 | 583,000 | 1,321,000 | 2,057,000 |
| Income tax | 60,000 | 129,000 | 345,000 | 536,000 |
| Net income | 252,000 | 454,000 | 976,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,926,000 | 22,247,000 | 22,890,000 | 23,553,000 |
| Total capital | 24,151,000 | 24,439,000 | 25,124,000 | 25,826,000 |
| Risk-weighted assets | 177,348,000 | 174,649,000 | 178,250,000 | 181,594,000 |
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