Call reports 2002
CITIZENS BANK OF KENTUCKY, INC — 2002
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 332,292,000 | 325,429,000 | 331,222,000 | 330,433,000 |
| Total loans | 176,045,000 | 184,148,000 | 187,978,000 | 185,934,000 |
| Allowance for loan losses | 1,588,000 | 1,660,000 | 1,737,000 | 1,692,000 |
| Securities available for sale | 105,133,000 | 98,495,000 | 105,097,000 | 100,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,334,000 | 294,806,000 | 288,801,000 | 284,979,000 |
| Interest-bearing deposits | 253,850,000 | 249,107,000 | 240,585,000 | 238,244,000 |
| Noninterest-bearing deposits | 49,485,000 | 45,699,000 | 48,216,000 | 46,735,000 |
| Equity capital | 23,415,000 | 24,707,000 | 25,334,000 | 25,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,604,000 | 9,157,000 | 13,610,000 | 17,993,000 |
| Interest expense | 2,216,000 | 4,289,000 | 6,101,000 | 7,849,000 |
| Net interest income | 2,388,000 | 4,868,000 | 7,509,000 | 10,144,000 |
| Noninterest income | 866,000 | 1,766,000 | 2,684,000 | 3,781,000 |
| Noninterest expense | 2,369,000 | 4,832,000 | 7,296,000 | 9,649,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 270,000 |
| Pretax income | 795,000 | 1,622,000 | 2,627,000 | 4,006,000 |
| Income tax | 252,000 | 447,000 | 696,000 | 1,069,000 |
| Net income | 543,000 | 1,175,000 | 1,931,000 | 2,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,849,000 | 20,054,000 | 20,343,000 | 20,951,000 |
| Total capital | 21,437,000 | 21,714,000 | 22,080,000 | 22,643,000 |
| Risk-weighted assets | 178,402,000 | 181,628,000 | 184,350,000 | 183,469,000 |
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