Call reports 2021
CITIZENS BANK OF KENTUCKY, INC — 2021
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 765,225,000 | 778,098,000 | 776,322,000 | 772,910,000 |
| Total loans | 359,756,000 | 368,225,000 | 364,311,000 | 337,455,000 |
| Allowance for loan losses | 3,823,000 | 3,829,000 | 3,699,000 | 3,657,000 |
| Securities available for sale | 161,296,000 | 179,750,000 | 193,166,000 | 211,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 644,810,000 | 656,339,000 | 660,504,000 | 655,864,000 |
| Interest-bearing deposits | 448,690,000 | 459,687,000 | 456,550,000 | 454,214,000 |
| Noninterest-bearing deposits | 196,120,000 | 196,652,000 | 203,954,000 | 201,650,000 |
| Equity capital | 93,761,000 | 95,508,000 | 95,375,000 | 96,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,177,000 | 10,288,000 | 15,505,000 | 20,585,000 |
| Interest expense | 631,000 | 1,175,000 | 1,649,000 | 2,087,000 |
| Net interest income | 4,546,000 | 9,113,000 | 13,856,000 | 18,498,000 |
| Noninterest income | 1,260,000 | 2,582,000 | 3,807,000 | 5,393,000 |
| Noninterest expense | 4,169,000 | 8,400,000 | 12,635,000 | 17,358,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,645,000 | 3,303,000 | 5,036,000 | 6,544,000 |
| Income tax | 271,000 | 532,000 | 801,000 | 931,000 |
| Net income | 1,374,000 | 2,771,000 | 4,235,000 | 5,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,237,000 | 76,265,000 | 77,358,000 | 78,366,000 |
| Total capital | 79,060,000 | 80,094,000 | 81,057,000 | 82,023,000 |
| Risk-weighted assets | 396,604,000 | 410,423,000 | 406,184,000 | 381,048,000 |