Call reports 2016
CITIZENS BANK OF NORTHERN KENTUCKY, INC. — 2016
What CITIZENS BANK OF NORTHERN KENTUCKY, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 244,443,000 | 241,181,000 | 228,866,000 | 234,565,000 |
| Total loans | 147,120,000 | 145,724,000 | 144,486,000 | 144,263,000 |
| Allowance for loan losses | 2,129,000 | 1,871,000 | 1,743,000 | 1,873,000 |
| Securities available for sale | 57,877,000 | 60,909,000 | 45,119,000 | 48,048,000 |
| Securities held to maturity | 2,958,000 | 2,945,000 | 2,932,000 | 2,918,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,019,000 | 194,456,000 | 197,358,000 | 204,291,000 |
| Interest-bearing deposits | 165,347,000 | 161,838,000 | 163,363,000 | 171,343,000 |
| Noninterest-bearing deposits | 31,672,000 | 32,618,000 | 33,995,000 | 32,948,000 |
| Equity capital | 26,542,000 | 25,685,000 | 25,520,000 | 24,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,182,000 | 4,366,000 | 6,505,000 | 8,555,000 |
| Interest expense | 265,000 | 518,000 | 738,000 | 822,000 |
| Net interest income | 1,917,000 | 3,848,000 | 5,767,000 | 7,733,000 |
| Noninterest income | 462,000 | 1,061,000 | 1,811,000 | 2,279,000 |
| Noninterest expense | 2,140,000 | 4,373,000 | 7,188,000 | 9,336,000 |
| Provision for loan losses | -48,000 | -295,000 | -424,000 | -289,000 |
| Pretax income | 282,000 | 823,000 | 1,369,000 | 1,524,000 |
| Income tax | 50,000 | 177,000 | 316,000 | 335,000 |
| Net income | 232,000 | 646,000 | 1,053,000 | 1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,003,000 | 24,918,000 | 25,325,000 | 24,661,000 |
| Total capital | 28,132,000 | 26,789,000 | 27,068,000 | 26,534,000 |
| Risk-weighted assets | 175,646,000 | 169,297,000 | 164,763,000 | 161,781,000 |