Call reports 2011
CITIZENS BANK OF KENTUCKY, INC — 2011
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 585,010,000 | 579,754,000 | 563,392,000 | 554,701,000 |
| Total loans | 358,960,000 | 347,413,000 | 336,190,000 | 321,225,000 |
| Allowance for loan losses | 4,839,000 | 4,782,000 | 4,758,000 | 4,527,000 |
| Securities available for sale | 123,486,000 | 125,430,000 | 125,401,000 | 137,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,663,000 | 451,799,000 | 430,975,000 | 433,881,000 |
| Interest-bearing deposits | 351,951,000 | 344,111,000 | 324,823,000 | 325,791,000 |
| Noninterest-bearing deposits | 107,712,000 | 107,688,000 | 106,152,000 | 108,090,000 |
| Equity capital | 68,001,000 | 69,249,000 | 70,926,000 | 71,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,267,000 | 12,665,000 | 18,653,000 | 24,564,000 |
| Interest expense | 1,690,000 | 3,203,000 | 4,604,000 | 5,953,000 |
| Net interest income | 4,577,000 | 9,462,000 | 14,049,000 | 18,611,000 |
| Noninterest income | 1,451,000 | 3,011,000 | 4,714,000 | 6,289,000 |
| Noninterest expense | 4,792,000 | 9,507,000 | 14,056,000 | 18,749,000 |
| Provision for loan losses | 150,000 | 568,000 | 1,051,000 | 1,386,000 |
| Pretax income | 1,156,000 | 2,577,000 | 3,835,000 | 5,031,000 |
| Income tax | 181,000 | 462,000 | 682,000 | 848,000 |
| Net income | 975,000 | 2,115,000 | 3,153,000 | 4,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,421,000 | 49,379,000 | 50,235,000 | 50,918,000 |
| Total capital | 52,991,000 | 53,858,000 | 54,588,000 | 55,114,000 |
| Risk-weighted assets | 365,336,000 | 358,034,000 | 347,862,000 | 335,336,000 |