Call reports 2022
CITIZENS BANK OF KENTUCKY, INC — 2022
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 757,613,000 | 760,858,000 | 724,335,000 | 696,971,000 |
| Total loans | 295,335,000 | 302,055,000 | 292,126,000 | 292,374,000 |
| Allowance for loan losses | 3,766,000 | 3,962,000 | 3,984,000 | 3,837,000 |
| Securities available for sale | 242,754,000 | 279,795,000 | 299,292,000 | 318,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 658,769,000 | 664,303,000 | 644,630,000 | 611,716,000 |
| Interest-bearing deposits | 464,263,000 | 464,505,000 | 452,703,000 | 423,190,000 |
| Noninterest-bearing deposits | 194,506,000 | 199,798,000 | 191,927,000 | 188,526,000 |
| Equity capital | 83,446,000 | 77,086,000 | 65,796,000 | 72,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,829,000 | 9,978,000 | 15,820,000 | 22,108,000 |
| Interest expense | 409,000 | 807,000 | 1,343,000 | 1,934,000 |
| Net interest income | 4,420,000 | 9,171,000 | 14,477,000 | 20,174,000 |
| Noninterest income | 1,218,000 | 2,431,000 | 3,641,000 | 4,836,000 |
| Noninterest expense | 4,314,000 | 8,540,000 | 12,732,000 | 17,403,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,324,000 | 3,062,000 | 5,386,000 | 7,607,000 |
| Income tax | 165,000 | 419,000 | 800,000 | 1,109,000 |
| Net income | 1,159,000 | 2,643,000 | 4,586,000 | 6,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,155,000 | 80,269,000 | 81,440,000 | 82,267,000 |
| Total capital | 82,921,000 | 84,231,000 | 85,424,000 | 86,104,000 |
| Risk-weighted assets | 346,885,000 | 364,975,000 | 358,920,000 | 352,384,000 |