Call reports 2009
CITIZENS BANK OF KENTUCKY, INC — 2009
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 585,385,000 | 579,829,000 | 582,686,000 | 581,565,000 |
| Total loans | 366,075,000 | 376,195,000 | 393,035,000 | 395,547,000 |
| Allowance for loan losses | 3,756,000 | 5,906,000 | 5,767,000 | 6,269,000 |
| Securities available for sale | 143,290,000 | 128,718,000 | 118,973,000 | 112,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,247,000 | 445,461,000 | 428,056,000 | 443,474,000 |
| Interest-bearing deposits | 349,028,000 | 352,605,000 | 339,049,000 | 351,836,000 |
| Noninterest-bearing deposits | 94,219,000 | 92,856,000 | 89,007,000 | 91,638,000 |
| Equity capital | 63,396,000 | 60,956,000 | 63,733,000 | 65,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,946,000 | 14,017,000 | 20,914,000 | 27,794,000 |
| Interest expense | 2,649,000 | 5,252,000 | 7,547,000 | 9,802,000 |
| Net interest income | 4,297,000 | 8,765,000 | 13,367,000 | 17,992,000 |
| Noninterest income | 1,791,000 | 3,722,000 | 5,682,000 | 7,589,000 |
| Noninterest expense | 4,565,000 | 9,674,000 | 14,539,000 | 19,521,000 |
| Provision for loan losses | 120,000 | 4,169,000 | 4,500,000 | 5,800,000 |
| Pretax income | 1,403,000 | -1,350,000 | 207,000 | 541,000 |
| Income tax | 581,000 | -581,000 | -224,000 | -322,000 |
| Net income | 822,000 | -769,000 | 431,000 | 863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,817,000 | 41,105,000 | 42,470,000 | 44,480,000 |
| Total capital | 46,573,000 | 46,107,000 | 47,557,000 | 49,573,000 |
| Risk-weighted assets | 395,914,000 | 399,250,000 | 406,361,000 | 406,268,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS BANK OF KENTUCKY, INC — 2009 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.