Call reports 2006
CITIZENS BANK OF KENTUCKY, INC — 2006
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 364,174,000 | 451,349,000 | 438,602,000 | 447,310,000 |
| Total loans | 215,315,000 | 270,586,000 | 271,575,000 | 274,259,000 |
| Allowance for loan losses | 2,084,000 | 4,387,000 | 4,351,000 | 4,141,000 |
| Securities available for sale | 116,108,000 | 122,784,000 | 130,886,000 | 129,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,666,000 | 388,040,000 | 371,163,000 | 373,044,000 |
| Interest-bearing deposits | 245,841,000 | 316,822,000 | 303,185,000 | 306,388,000 |
| Noninterest-bearing deposits | 65,825,000 | 71,218,000 | 67,978,000 | 66,656,000 |
| Equity capital | 31,401,000 | 36,305,000 | 38,303,000 | 39,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,906,000 | 10,529,000 | 17,307,000 | 24,263,000 |
| Interest expense | 1,851,000 | 4,105,000 | 7,022,000 | 10,469,000 |
| Net interest income | 3,055,000 | 6,424,000 | 10,285,000 | 13,794,000 |
| Noninterest income | 1,184,000 | 2,462,000 | 3,971,000 | 5,234,000 |
| Noninterest expense | 2,710,000 | 5,744,000 | 9,604,000 | 13,620,000 |
| Provision for loan losses | 83,000 | 165,000 | 248,000 | 330,000 |
| Pretax income | 1,446,000 | 2,977,000 | 4,404,000 | 5,078,000 |
| Income tax | 383,000 | 770,000 | 1,140,000 | 1,321,000 |
| Net income | 1,063,000 | 2,207,000 | 3,264,000 | 3,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,925,000 | 34,690,000 | 35,440,000 | 34,323,000 |
| Total capital | 31,009,000 | 38,351,000 | 39,090,000 | 38,078,000 |
| Risk-weighted assets | 232,228,000 | 292,146,000 | 291,336,000 | 299,994,000 |
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