Call reports 2008
CITIZENS BANK OF KENTUCKY, INC — 2008
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 552,794,000 | 559,176,000 | 559,946,000 | 573,031,000 |
| Total loans | 344,795,000 | 350,958,000 | 361,406,000 | 363,116,000 |
| Allowance for loan losses | 4,215,000 | 4,239,000 | 3,776,000 | 3,541,000 |
| Securities available for sale | 142,135,000 | 136,416,000 | 133,101,000 | 131,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,848,000 | 437,695,000 | 425,513,000 | 432,084,000 |
| Interest-bearing deposits | 359,310,000 | 349,046,000 | 338,177,000 | 341,099,000 |
| Noninterest-bearing deposits | 86,538,000 | 88,649,000 | 87,336,000 | 90,985,000 |
| Equity capital | 62,596,000 | 60,481,000 | 61,044,000 | 62,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,923,000 | 15,463,000 | 23,094,000 | 30,494,000 |
| Interest expense | 3,638,000 | 6,888,000 | 9,932,000 | 12,686,000 |
| Net interest income | 4,285,000 | 8,575,000 | 13,162,000 | 17,808,000 |
| Noninterest income | 1,618,000 | 3,103,000 | 4,544,000 | 6,396,000 |
| Noninterest expense | 4,389,000 | 8,610,000 | 12,881,000 | 17,636,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 600,000 |
| Pretax income | 1,424,000 | 2,888,000 | 4,555,000 | 5,968,000 |
| Income tax | 251,000 | 507,000 | 873,000 | 1,206,000 |
| Net income | 1,173,000 | 2,381,000 | 3,682,000 | 4,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,198,000 | 41,491,000 | 42,362,000 | 42,314,000 |
| Total capital | 45,413,000 | 45,730,000 | 46,138,000 | 45,855,000 |
| Risk-weighted assets | 377,133,000 | 387,098,000 | 388,804,000 | 396,394,000 |
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