Call reports 2013
CITIZENS BANK OF KENTUCKY, INC — 2013
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 559,706,000 | 541,036,000 | 541,561,000 | 534,278,000 |
| Total loans | 296,782,000 | 289,549,000 | 283,450,000 | 274,776,000 |
| Allowance for loan losses | 4,148,000 | 4,022,000 | 3,887,000 | 3,848,000 |
| Securities available for sale | 168,858,000 | 163,824,000 | 172,915,000 | 178,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,359,000 | 430,883,000 | 433,877,000 | 424,798,000 |
| Interest-bearing deposits | 329,741,000 | 318,804,000 | 318,437,000 | 313,509,000 |
| Noninterest-bearing deposits | 114,618,000 | 112,079,000 | 115,440,000 | 111,289,000 |
| Equity capital | 71,821,000 | 68,493,000 | 68,427,000 | 67,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,137,000 | 10,219,000 | 15,170,000 | 20,010,000 |
| Interest expense | 1,035,000 | 1,990,000 | 2,875,000 | 3,712,000 |
| Net interest income | 4,102,000 | 8,229,000 | 12,295,000 | 16,298,000 |
| Noninterest income | 1,268,000 | 2,795,000 | 4,108,000 | 5,096,000 |
| Noninterest expense | 4,204,000 | 8,621,000 | 12,865,000 | 16,995,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 1,080,000 | 2,403,000 | 3,538,000 | 4,432,000 |
| Income tax | 135,000 | 353,000 | 505,000 | 572,000 |
| Net income | 945,000 | 2,050,000 | 3,033,000 | 3,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,876,000 | 51,859,000 | 51,919,000 | 51,823,000 |
| Total capital | 55,930,000 | 55,881,000 | 55,806,000 | 55,671,000 |
| Risk-weighted assets | 324,220,000 | 322,561,000 | 320,610,000 | 314,716,000 |