Call reports 2010
CITIZENS BANK OF KENTUCKY, INC — 2010
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 600,331,000 | 599,521,000 | 597,264,000 | 577,869,000 |
| Total loans | 392,050,000 | 378,849,000 | 372,515,000 | 366,569,000 |
| Allowance for loan losses | 6,442,000 | 5,951,000 | 4,859,000 | 4,740,000 |
| Securities available for sale | 123,497,000 | 100,902,000 | 117,856,000 | 112,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,649,000 | 463,363,000 | 462,145,000 | 449,535,000 |
| Interest-bearing deposits | 371,358,000 | 370,882,000 | 364,083,000 | 353,839,000 |
| Noninterest-bearing deposits | 92,291,000 | 92,481,000 | 98,063,000 | 95,696,000 |
| Equity capital | 66,537,000 | 67,270,000 | 69,173,000 | 66,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,678,000 | 13,506,000 | 19,956,000 | 26,301,000 |
| Interest expense | 2,251,000 | 4,441,000 | 6,528,000 | 8,468,000 |
| Net interest income | 4,427,000 | 9,065,000 | 13,428,000 | 17,833,000 |
| Noninterest income | 1,600,000 | 3,397,000 | 5,159,000 | 5,728,000 |
| Noninterest expense | 4,815,000 | 9,655,000 | 14,460,000 | 19,164,000 |
| Provision for loan losses | 300,000 | 1,850,000 | 2,150,000 | 3,350,000 |
| Pretax income | 912,000 | 2,591,000 | 3,652,000 | 2,822,000 |
| Income tax | 191,000 | 525,000 | 659,000 | -105,000 |
| Net income | 721,000 | 2,066,000 | 2,993,000 | 2,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,365,000 | 46,789,000 | 47,794,000 | 47,806,000 |
| Total capital | 50,417,000 | 51,526,000 | 52,474,000 | 52,420,000 |
| Risk-weighted assets | 402,743,000 | 377,746,000 | 374,199,000 | 368,972,000 |
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