Call reports 2012
CITIZENS BANK OF KENTUCKY, INC — 2012
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 567,109,000 | 556,309,000 | 554,634,000 | 558,581,000 |
| Total loans | 317,945,000 | 312,535,000 | 307,033,000 | 302,299,000 |
| Allowance for loan losses | 4,457,000 | 4,096,000 | 4,136,000 | 4,114,000 |
| Securities available for sale | 147,810,000 | 151,074,000 | 157,883,000 | 163,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,897,000 | 436,338,000 | 434,698,000 | 436,665,000 |
| Interest-bearing deposits | 330,163,000 | 325,104,000 | 323,430,000 | 333,172,000 |
| Noninterest-bearing deposits | 114,734,000 | 111,234,000 | 111,268,000 | 103,493,000 |
| Equity capital | 71,209,000 | 71,595,000 | 71,999,000 | 71,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,624,000 | 11,213,000 | 16,607,000 | 21,993,000 |
| Interest expense | 1,245,000 | 2,420,000 | 3,556,000 | 4,642,000 |
| Net interest income | 4,379,000 | 8,793,000 | 13,051,000 | 17,351,000 |
| Noninterest income | 1,546,000 | 2,905,000 | 4,394,000 | 5,510,000 |
| Noninterest expense | 4,615,000 | 9,226,000 | 13,801,000 | 18,283,000 |
| Provision for loan losses | 288,000 | 438,000 | 588,000 | 738,000 |
| Pretax income | 1,022,000 | 2,153,000 | 3,175,000 | 3,959,000 |
| Income tax | 141,000 | 317,000 | 455,000 | 507,000 |
| Net income | 881,000 | 1,836,000 | 2,720,000 | 3,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,963,000 | 50,996,000 | 50,958,000 | 51,267,000 |
| Total capital | 55,164,000 | 55,092,000 | 55,017,000 | 55,340,000 |
| Risk-weighted assets | 335,862,000 | 332,215,000 | 324,681,000 | 325,771,000 |