Call reports 2017
CITIZENS BANK OF KENTUCKY, INC — 2017
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 600,336,000 | 591,237,000 | 590,360,000 | 588,997,000 |
| Total loans | 336,279,000 | 337,146,000 | 339,247,000 | 346,399,000 |
| Allowance for loan losses | 3,595,000 | 3,489,000 | 3,528,000 | 2,991,000 |
| Securities available for sale | 149,815,000 | 148,892,000 | 152,670,000 | 151,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,642,000 | 476,330,000 | 475,508,000 | 481,479,000 |
| Interest-bearing deposits | 348,933,000 | 345,401,000 | 349,735,000 | 353,917,000 |
| Noninterest-bearing deposits | 134,709,000 | 130,929,000 | 125,773,000 | 127,562,000 |
| Equity capital | 81,910,000 | 83,066,000 | 83,535,000 | 82,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,154,000 | 10,264,000 | 15,443,000 | 20,652,000 |
| Interest expense | 656,000 | 1,309,000 | 1,993,000 | 2,679,000 |
| Net interest income | 4,498,000 | 8,955,000 | 13,450,000 | 17,973,000 |
| Noninterest income | 1,256,000 | 2,650,000 | 3,848,000 | 5,027,000 |
| Noninterest expense | 4,392,000 | 8,777,000 | 13,069,000 | 17,378,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,362,000 | 2,912,000 | 4,313,000 | 5,754,000 |
| Income tax | 229,000 | 507,000 | 754,000 | 2,142,000 |
| Net income | 1,133,000 | 2,405,000 | 3,559,000 | 3,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,211,000 | 64,915,000 | 65,299,000 | 65,025,000 |
| Total capital | 67,819,000 | 68,418,000 | 68,843,000 | 68,033,000 |
| Risk-weighted assets | 378,704,000 | 379,224,000 | 390,641,000 | 393,830,000 |