Call reports 2014
CITIZENS BANK OF NORTHERN KENTUCKY, INC. — 2014
What CITIZENS BANK OF NORTHERN KENTUCKY, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 253,641,000 | 244,385,000 | 238,806,000 | 254,248,000 |
| Total loans | 158,714,000 | 154,124,000 | 152,884,000 | 149,362,000 |
| Allowance for loan losses | 2,376,000 | 2,411,000 | 2,736,000 | 2,402,000 |
| Securities available for sale | 58,315,000 | 60,121,000 | 57,188,000 | 54,960,000 |
| Securities held to maturity | 3,062,000 | 3,049,000 | 3,036,000 | 3,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,826,000 | 198,316,000 | 191,082,000 | 208,525,000 |
| Interest-bearing deposits | 183,119,000 | 170,322,000 | 163,495,000 | 177,806,000 |
| Noninterest-bearing deposits | 25,707,000 | 27,994,000 | 27,587,000 | 30,719,000 |
| Equity capital | 24,491,000 | 25,082,000 | 24,820,000 | 25,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,442,000 | 4,812,000 | 7,201,000 | 9,465,000 |
| Interest expense | 326,000 | 636,000 | 936,000 | 1,206,000 |
| Net interest income | 2,116,000 | 4,176,000 | 6,265,000 | 8,259,000 |
| Noninterest income | 352,000 | 713,000 | 1,168,000 | 1,553,000 |
| Noninterest expense | 2,042,000 | 4,117,000 | 6,547,000 | 9,031,000 |
| Provision for loan losses | 819,000 | 877,000 | 1,218,000 | 875,000 |
| Pretax income | -389,000 | -111,000 | -338,000 | -100,000 |
| Income tax | -170,000 | -59,000 | -193,000 | -217,000 |
| Net income | -219,000 | -52,000 | -145,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,237,000 | 24,405,000 | 24,313,000 | 24,575,000 |
| Total capital | 26,457,000 | 26,568,000 | 26,439,000 | 26,703,000 |
| Risk-weighted assets | 177,473,000 | 172,813,000 | 169,431,000 | 169,949,000 |
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