Call reports 2016
CITIZENS BANK OF KENTUCKY, INC — 2016
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 629,133,000 | 603,662,000 | 593,277,000 | 596,944,000 |
| Total loans | 358,173,000 | 353,074,000 | 343,773,000 | 348,901,000 |
| Allowance for loan losses | 3,776,000 | 3,814,000 | 3,794,000 | 3,574,000 |
| Securities available for sale | 156,162,000 | 153,284,000 | 153,364,000 | 146,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 513,275,000 | 482,709,000 | 475,737,000 | 481,264,000 |
| Interest-bearing deposits | 368,675,000 | 354,800,000 | 346,685,000 | 352,934,000 |
| Noninterest-bearing deposits | 144,600,000 | 127,909,000 | 129,052,000 | 128,330,000 |
| Equity capital | 83,056,000 | 84,466,000 | 84,556,000 | 80,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,314,000 | 10,498,000 | 15,753,000 | 20,845,000 |
| Interest expense | 789,000 | 1,491,000 | 2,156,000 | 2,826,000 |
| Net interest income | 4,525,000 | 9,007,000 | 13,597,000 | 18,019,000 |
| Noninterest income | 2,656,000 | 5,716,000 | 6,876,000 | 7,974,000 |
| Noninterest expense | 5,800,000 | 10,541,000 | 15,216,000 | 19,788,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,381,000 | 4,342,000 | 5,417,000 | 6,365,000 |
| Income tax | -152,000 | 497,000 | 636,000 | 793,000 |
| Net income | 1,533,000 | 3,845,000 | 4,781,000 | 5,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,651,000 | 62,424,000 | 62,503,000 | 63,982,000 |
| Total capital | 67,433,000 | 66,246,000 | 66,307,000 | 67,567,000 |
| Risk-weighted assets | 389,553,000 | 386,973,000 | 378,426,000 | 385,758,000 |