Call reports 2014
CITIZENS BANK OF KENTUCKY, INC — 2014
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 538,618,000 | 524,345,000 | 513,291,000 | 567,715,000 |
| Total loans | 272,265,000 | 275,031,000 | 270,752,000 | 303,486,000 |
| Allowance for loan losses | 3,991,000 | 3,693,000 | 3,637,000 | 3,616,000 |
| Securities available for sale | 182,564,000 | 170,004,000 | 163,875,000 | 177,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,152,000 | 417,131,000 | 412,166,000 | 458,285,000 |
| Interest-bearing deposits | 314,859,000 | 301,670,000 | 286,222,000 | 327,829,000 |
| Noninterest-bearing deposits | 117,293,000 | 115,461,000 | 125,944,000 | 130,456,000 |
| Equity capital | 69,265,000 | 70,605,000 | 70,828,000 | 77,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,838,000 | 9,792,000 | 14,442,000 | 18,887,000 |
| Interest expense | 783,000 | 1,510,000 | 2,189,000 | 2,856,000 |
| Net interest income | 4,055,000 | 8,282,000 | 12,253,000 | 16,031,000 |
| Noninterest income | 1,297,000 | 2,887,000 | 4,253,000 | 7,110,000 |
| Noninterest expense | 4,224,000 | 8,819,000 | 13,004,000 | 17,095,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,133,000 | 2,472,000 | 3,643,000 | 6,187,000 |
| Income tax | 165,000 | 400,000 | 582,000 | 680,000 |
| Net income | 968,000 | 2,072,000 | 3,061,000 | 5,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,656,000 | 53,038,000 | 53,027,000 | 58,652,000 |
| Total capital | 56,570,000 | 56,736,000 | 56,669,000 | 62,273,000 |
| Risk-weighted assets | 313,049,000 | 311,325,000 | 304,907,000 | 337,516,000 |