Call reports 2019
CITIZENS BANK OF KENTUCKY, INC — 2019
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 607,944,000 | 620,288,000 | 645,918,000 | 656,120,000 |
| Total loans | 396,700,000 | 409,263,000 | 414,386,000 | 401,227,000 |
| Allowance for loan losses | 3,471,000 | 3,947,000 | 3,954,000 | 4,012,000 |
| Securities available for sale | 137,789,000 | 134,727,000 | 134,247,000 | 142,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,186,000 | 507,925,000 | 531,506,000 | 544,121,000 |
| Interest-bearing deposits | 368,323,000 | 378,706,000 | 403,212,000 | 418,448,000 |
| Noninterest-bearing deposits | 129,863,000 | 129,219,000 | 128,293,000 | 125,673,000 |
| Equity capital | 84,715,000 | 86,824,000 | 88,236,000 | 89,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,916,000 | 12,160,000 | 18,501,000 | 24,836,000 |
| Interest expense | 881,000 | 1,837,000 | 3,063,000 | 4,349,000 |
| Net interest income | 5,035,000 | 10,323,000 | 15,438,000 | 20,487,000 |
| Noninterest income | 1,161,000 | 2,319,000 | 3,540,000 | 5,495,000 |
| Noninterest expense | 4,436,000 | 8,885,000 | 13,246,000 | 17,714,000 |
| Provision for loan losses | 753,000 | 1,148,000 | 1,248,000 | 1,348,000 |
| Pretax income | 1,014,000 | 2,631,000 | 4,506,000 | 6,943,000 |
| Income tax | 54,000 | 62,000 | 296,000 | 572,000 |
| Net income | 960,000 | 2,569,000 | 4,210,000 | 6,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,822,000 | 68,570,000 | 69,704,000 | 71,181,000 |
| Total capital | 71,293,000 | 72,517,000 | 73,658,000 | 75,193,000 |
| Risk-weighted assets | 425,296,000 | 438,036,000 | 436,003,000 | 422,779,000 |