Call reports 2003
CITIZENS BANK OF KENTUCKY, INC — 2003
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 339,188,000 | 339,684,000 | 323,805,000 | 324,927,000 |
| Total loans | 184,612,000 | 180,435,000 | 180,199,000 | 179,592,000 |
| Allowance for loan losses | 1,702,000 | 1,732,000 | 1,678,000 | 1,596,000 |
| Securities available for sale | 117,772,000 | 101,556,000 | 109,010,000 | 105,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,718,000 | 296,003,000 | 280,688,000 | 281,481,000 |
| Interest-bearing deposits | 241,744,000 | 242,726,000 | 227,996,000 | 225,744,000 |
| Noninterest-bearing deposits | 51,974,000 | 53,277,000 | 52,692,000 | 55,737,000 |
| Equity capital | 25,268,000 | 25,735,000 | 25,437,000 | 26,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,074,000 | 7,940,000 | 11,630,000 | 15,413,000 |
| Interest expense | 1,628,000 | 3,176,000 | 4,352,000 | 5,417,000 |
| Net interest income | 2,446,000 | 4,764,000 | 7,278,000 | 9,996,000 |
| Noninterest income | 927,000 | 1,990,000 | 2,892,000 | 3,884,000 |
| Noninterest expense | 2,461,000 | 4,838,000 | 7,327,000 | 9,626,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 867,000 | 1,826,000 | 2,711,000 | 4,072,000 |
| Income tax | 229,000 | 516,000 | 750,000 | 979,000 |
| Net income | 638,000 | 1,310,000 | 1,961,000 | 3,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,144,000 | 21,417,000 | 21,654,000 | 22,367,000 |
| Total capital | 22,846,000 | 23,149,000 | 23,332,000 | 23,963,000 |
| Risk-weighted assets | 185,748,000 | 187,668,000 | 184,826,000 | 185,808,000 |
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