Call reports 2004
CITIZENS BANK OF KENTUCKY, INC — 2004
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 332,817,000 | 342,132,000 | 341,405,000 | 337,412,000 |
| Total loans | 176,775,000 | 182,322,000 | 183,247,000 | 188,356,000 |
| Allowance for loan losses | 1,618,000 | 1,640,000 | 1,643,000 | 1,673,000 |
| Securities available for sale | 111,746,000 | 125,590,000 | 122,050,000 | 113,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,353,000 | 279,417,000 | 292,600,000 | 292,919,000 |
| Interest-bearing deposits | 224,725,000 | 221,150,000 | 232,209,000 | 235,005,000 |
| Noninterest-bearing deposits | 55,628,000 | 58,267,000 | 60,391,000 | 57,914,000 |
| Equity capital | 27,120,000 | 25,929,000 | 27,688,000 | 27,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,695,000 | 7,404,000 | 11,162,000 | 15,167,000 |
| Interest expense | 1,016,000 | 2,022,000 | 3,101,000 | 4,185,000 |
| Net interest income | 2,679,000 | 5,382,000 | 8,061,000 | 10,982,000 |
| Noninterest income | 796,000 | 1,741,000 | 2,613,000 | 3,798,000 |
| Noninterest expense | 2,385,000 | 4,693,000 | 7,107,000 | 10,025,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,047,000 | 2,342,000 | 3,438,000 | 4,581,000 |
| Income tax | 259,000 | 609,000 | 916,000 | 1,236,000 |
| Net income | 788,000 | 1,733,000 | 2,522,000 | 3,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,961,000 | 23,703,000 | 24,289,000 | 24,906,000 |
| Total capital | 24,586,000 | 25,347,000 | 25,932,000 | 26,584,000 |
| Risk-weighted assets | 186,481,000 | 192,345,000 | 193,764,000 | 197,016,000 |
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