Call reports 2015
CITIZENS BANK OF NORTHERN KENTUCKY, INC. — 2015
What CITIZENS BANK OF NORTHERN KENTUCKY, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 256,078,000 | 244,274,000 | 238,996,000 | 245,188,000 |
| Total loans | 148,890,000 | 147,856,000 | 147,357,000 | 146,202,000 |
| Allowance for loan losses | 2,320,000 | 2,579,000 | 2,411,000 | 2,241,000 |
| Securities available for sale | 63,384,000 | 61,449,000 | 58,992,000 | 55,128,000 |
| Securities held to maturity | 3,010,000 | 2,998,000 | 2,984,000 | 2,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,975,000 | 198,337,000 | 191,940,000 | 198,133,000 |
| Interest-bearing deposits | 179,503,000 | 169,446,000 | 160,549,000 | 167,692,000 |
| Noninterest-bearing deposits | 30,472,000 | 28,891,000 | 31,391,000 | 30,441,000 |
| Equity capital | 25,467,000 | 25,117,000 | 25,894,000 | 26,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,217,000 | 4,448,000 | 6,801,000 | 9,038,000 |
| Interest expense | 268,000 | 536,000 | 806,000 | 1,066,000 |
| Net interest income | 1,949,000 | 3,912,000 | 5,995,000 | 7,972,000 |
| Noninterest income | 553,000 | 1,047,000 | 1,674,000 | 2,160,000 |
| Noninterest expense | 2,213,000 | 4,481,000 | 6,731,000 | 8,914,000 |
| Provision for loan losses | -54,000 | 205,000 | 47,000 | -112,000 |
| Pretax income | 472,000 | 402,000 | 1,020,000 | 1,459,000 |
| Income tax | 101,000 | 17,000 | 153,000 | 267,000 |
| Net income | 371,000 | 385,000 | 867,000 | 1,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,947,000 | 24,961,000 | 25,444,000 | 25,770,000 |
| Total capital | 27,153,000 | 27,196,000 | 27,676,000 | 28,005,000 |
| Risk-weighted assets | 176,388,000 | 178,534,000 | 178,420,000 | 178,749,000 |