Call reports 2015
CITIZENS BANK OF KENTUCKY, INC — 2015
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 573,192,000 | 567,451,000 | 567,099,000 | 572,426,000 |
| Total loans | 306,459,000 | 316,417,000 | 317,169,000 | 322,350,000 |
| Allowance for loan losses | 3,677,000 | 3,962,000 | 3,968,000 | 3,630,000 |
| Securities available for sale | 173,323,000 | 159,280,000 | 157,856,000 | 153,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,263,000 | 456,923,000 | 456,214,000 | 463,482,000 |
| Interest-bearing deposits | 327,695,000 | 330,474,000 | 331,865,000 | 337,089,000 |
| Noninterest-bearing deposits | 134,568,000 | 126,449,000 | 124,349,000 | 126,393,000 |
| Equity capital | 78,060,000 | 76,272,000 | 77,429,000 | 77,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,886,000 | 9,696,000 | 14,490,000 | 19,311,000 |
| Interest expense | 708,000 | 1,423,000 | 2,121,000 | 2,830,000 |
| Net interest income | 4,178,000 | 8,273,000 | 12,369,000 | 16,481,000 |
| Noninterest income | 1,328,000 | 2,735,000 | 4,196,000 | 5,512,000 |
| Noninterest expense | 4,445,000 | 8,638,000 | 12,942,000 | 17,157,000 |
| Provision for loan losses | 100,000 | 794,000 | 836,000 | 837,000 |
| Pretax income | 961,000 | 1,595,000 | 2,806,000 | 4,651,000 |
| Income tax | 108,000 | 98,000 | 279,000 | 673,000 |
| Net income | 853,000 | 1,497,000 | 2,527,000 | 3,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,587,000 | 58,509,000 | 58,709,000 | 58,978,000 |
| Total capital | 62,269,000 | 62,476,000 | 62,682,000 | 62,613,000 |
| Risk-weighted assets | 351,271,000 | 354,748,000 | 356,524,000 | 363,744,000 |