Call reports 2013
CITIZENS BANK OF NORTHERN KENTUCKY, INC. — 2013
What CITIZENS BANK OF NORTHERN KENTUCKY, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 250,159,000 | 254,097,000 | 250,171,000 | 252,383,000 |
| Total loans | 171,753,000 | 170,798,000 | 167,499,000 | 163,313,000 |
| Allowance for loan losses | 2,316,000 | 2,338,000 | 2,518,000 | 2,311,000 |
| Securities available for sale | 51,320,000 | 48,521,000 | 54,305,000 | 58,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,603,000 | 209,268,000 | 205,164,000 | 207,585,000 |
| Interest-bearing deposits | 179,118,000 | 184,129,000 | 178,721,000 | 180,214,000 |
| Noninterest-bearing deposits | 25,485,000 | 25,139,000 | 26,443,000 | 27,371,000 |
| Equity capital | 24,950,000 | 24,276,000 | 24,352,000 | 24,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,548,000 | 5,120,000 | 7,656,000 | 10,152,000 |
| Interest expense | 374,000 | 750,000 | 1,125,000 | 1,471,000 |
| Net interest income | 2,174,000 | 4,370,000 | 6,531,000 | 8,681,000 |
| Noninterest income | 251,000 | 584,000 | 529,000 | 449,000 |
| Noninterest expense | 1,978,000 | 4,017,000 | 6,064,000 | 8,159,000 |
| Provision for loan losses | -113,000 | -100,000 | 92,000 | -80,000 |
| Pretax income | 560,000 | 1,037,000 | 904,000 | 1,051,000 |
| Income tax | 145,000 | 254,000 | 148,000 | 153,000 |
| Net income | 415,000 | 783,000 | 756,000 | 898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,969,000 | 24,337,000 | 24,313,000 | 24,455,000 |
| Total capital | 26,285,000 | 26,662,000 | 26,609,000 | 26,710,000 |
| Risk-weighted assets | 185,876,000 | 185,998,000 | 183,459,000 | 180,345,000 |
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