Call reports 2018
CITIZENS BANK OF KENTUCKY, INC — 2018
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 589,665,000 | 588,975,000 | 586,123,000 | 589,527,000 |
| Total loans | 341,601,000 | 356,739,000 | 365,952,000 | 382,749,000 |
| Allowance for loan losses | 2,961,000 | 2,973,000 | 2,897,000 | 2,767,000 |
| Securities available for sale | 149,522,000 | 146,136,000 | 138,510,000 | 139,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,082,000 | 484,991,000 | 480,639,000 | 483,044,000 |
| Interest-bearing deposits | 351,202,000 | 356,618,000 | 354,946,000 | 362,838,000 |
| Noninterest-bearing deposits | 132,879,000 | 128,373,000 | 125,692,000 | 120,206,000 |
| Equity capital | 80,771,000 | 80,902,000 | 80,655,000 | 82,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,329,000 | 10,852,000 | 16,478,000 | 22,288,000 |
| Interest expense | 664,000 | 1,398,000 | 2,198,000 | 3,037,000 |
| Net interest income | 4,665,000 | 9,454,000 | 14,280,000 | 19,251,000 |
| Noninterest income | 1,487,000 | 2,857,000 | 4,133,000 | 5,427,000 |
| Noninterest expense | 4,671,000 | 9,126,000 | 13,434,000 | 17,733,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 500,000 |
| Pretax income | 1,381,000 | 2,985,000 | 4,757,000 | 6,527,000 |
| Income tax | 129,000 | 303,000 | 516,000 | 729,000 |
| Net income | 1,252,000 | 2,682,000 | 4,241,000 | 5,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,522,000 | 65,827,000 | 66,791,000 | 67,892,000 |
| Total capital | 68,500,000 | 68,817,000 | 69,705,000 | 70,659,000 |
| Risk-weighted assets | 393,780,000 | 406,425,000 | 408,656,000 | 420,448,000 |