Call reports 2020
CITIZENS BANK OF KENTUCKY, INC — 2020
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 658,584,000 | 739,573,000 | 722,651,000 | 737,458,000 |
| Total loans | 396,632,000 | 388,441,000 | 383,794,000 | 376,862,000 |
| Allowance for loan losses | 3,882,000 | 3,833,000 | 3,863,000 | 3,887,000 |
| Securities available for sale | 148,054,000 | 149,729,000 | 148,134,000 | 144,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 546,407,000 | 622,966,000 | 601,568,000 | 618,887,000 |
| Interest-bearing deposits | 424,941,000 | 439,956,000 | 441,426,000 | 442,420,000 |
| Noninterest-bearing deposits | 121,466,000 | 183,010,000 | 160,142,000 | 176,467,000 |
| Equity capital | 91,876,000 | 92,088,000 | 93,181,000 | 94,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,133,000 | 11,820,000 | 17,226,000 | 22,718,000 |
| Interest expense | 1,289,000 | 2,475,000 | 3,523,000 | 4,298,000 |
| Net interest income | 4,844,000 | 9,345,000 | 13,703,000 | 18,420,000 |
| Noninterest income | 1,150,000 | 2,169,000 | 3,375,000 | 4,446,000 |
| Noninterest expense | 4,645,000 | 8,897,000 | 13,115,000 | 17,071,000 |
| Provision for loan losses | 0 | 347,000 | 347,000 | 347,000 |
| Pretax income | 1,351,000 | 2,272,000 | 3,622,000 | 5,454,000 |
| Income tax | 118,000 | 208,000 | 238,000 | 520,000 |
| Net income | 1,233,000 | 2,064,000 | 3,384,000 | 4,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,643,000 | 71,704,000 | 73,055,000 | 74,234,000 |
| Total capital | 75,525,000 | 75,537,000 | 76,918,000 | 78,121,000 |
| Risk-weighted assets | 421,679,000 | 419,230,000 | 420,318,000 | 401,697,000 |