Call reports 2007
CITIZENS BANK OF KENTUCKY, INC — 2007
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 449,243,000 | 460,216,000 | 527,386,000 | 548,397,000 |
| Total loans | 270,129,000 | 274,735,000 | 332,705,000 | 341,554,000 |
| Allowance for loan losses | 3,912,000 | 4,045,000 | 4,694,000 | 4,270,000 |
| Securities available for sale | 128,576,000 | 134,277,000 | 140,187,000 | 142,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,826,000 | 384,609,000 | 440,988,000 | 436,833,000 |
| Interest-bearing deposits | 308,681,000 | 308,457,000 | 362,033,000 | 356,189,000 |
| Noninterest-bearing deposits | 67,145,000 | 76,152,000 | 78,955,000 | 80,644,000 |
| Equity capital | 40,413,000 | 39,497,000 | 45,677,000 | 61,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,839,000 | 13,794,000 | 21,844,000 | 30,140,000 |
| Interest expense | 3,332,000 | 6,807,000 | 10,697,000 | 14,635,000 |
| Net interest income | 3,507,000 | 6,987,000 | 11,147,000 | 15,505,000 |
| Noninterest income | 1,189,000 | 2,494,000 | 3,936,000 | 5,530,000 |
| Noninterest expense | 3,551,000 | 7,245,000 | 11,590,000 | 15,926,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,055,000 | 2,056,000 | 3,231,000 | 4,750,000 |
| Income tax | 255,000 | 303,000 | 482,000 | 636,000 |
| Net income | 800,000 | 1,753,000 | 2,749,000 | 4,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,836,000 | 35,298,000 | 40,370,000 | 40,332,000 |
| Total capital | 38,585,000 | 39,225,000 | 44,928,000 | 44,602,000 |
| Risk-weighted assets | 299,741,000 | 314,010,000 | 364,499,000 | 372,545,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK OF KENTUCKY, INC — 2007 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.