Call reports 2005
CITIZENS BANK OF KENTUCKY, INC — 2005
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 342,865,000 | 344,104,000 | 345,311,000 | 355,785,000 |
| Total loans | 192,338,000 | 200,996,000 | 203,329,000 | 208,935,000 |
| Allowance for loan losses | 1,739,000 | 1,790,000 | 1,860,000 | 2,003,000 |
| Securities available for sale | 114,278,000 | 109,119,000 | 111,195,000 | 115,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,505,000 | 289,937,000 | 289,749,000 | 301,621,000 |
| Interest-bearing deposits | 238,644,000 | 231,315,000 | 226,416,000 | 239,710,000 |
| Noninterest-bearing deposits | 60,861,000 | 58,622,000 | 63,333,000 | 61,911,000 |
| Equity capital | 28,333,000 | 29,476,000 | 30,241,000 | 30,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,027,000 | 8,291,000 | 12,777,000 | 17,463,000 |
| Interest expense | 1,172,000 | 2,449,000 | 3,889,000 | 5,583,000 |
| Net interest income | 2,855,000 | 5,842,000 | 8,888,000 | 11,880,000 |
| Noninterest income | 909,000 | 1,954,000 | 3,172,000 | 4,294,000 |
| Noninterest expense | 2,564,000 | 5,310,000 | 8,030,000 | 10,689,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 310,000 |
| Pretax income | 1,155,000 | 2,396,000 | 3,880,000 | 5,175,000 |
| Income tax | 275,000 | 550,000 | 890,000 | 1,185,000 |
| Net income | 880,000 | 1,846,000 | 2,990,000 | 3,990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,580,000 | 26,340,000 | 27,278,000 | 28,069,000 |
| Total capital | 27,338,000 | 28,146,000 | 29,161,000 | 30,101,000 |
| Risk-weighted assets | 200,999,000 | 210,053,000 | 214,469,000 | 222,615,000 |
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