Call reports 2024
CITIZENS BANK OF KENTUCKY, INC — 2024
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 669,271,000 | 668,289,000 | 678,514,000 | 659,669,000 |
| Total loans | 322,146,000 | 335,944,000 | 320,518,000 | 322,683,000 |
| Allowance for loan losses | 4,872,000 | 4,962,000 | 4,902,000 | 4,910,000 |
| Securities available for sale | 269,606,000 | 261,866,000 | 264,712,000 | 253,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 584,022,000 | 570,465,000 | 586,561,000 | 573,922,000 |
| Interest-bearing deposits | 411,212,000 | 404,225,000 | 424,170,000 | 412,080,000 |
| Noninterest-bearing deposits | 172,810,000 | 166,240,000 | 162,391,000 | 161,842,000 |
| Equity capital | 77,423,000 | 76,665,000 | 83,233,000 | 77,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,501,000 | 13,260,000 | 20,415,000 | 27,469,000 |
| Interest expense | 1,913,000 | 3,866,000 | 6,030,000 | 8,238,000 |
| Net interest income | 4,588,000 | 9,394,000 | 14,385,000 | 19,231,000 |
| Noninterest income | 1,151,000 | 2,444,000 | 3,613,000 | 4,932,000 |
| Noninterest expense | 4,603,000 | 9,025,000 | 13,330,000 | 17,607,000 |
| Provision for loan losses | 0 | 97,000 | 97,000 | 97,000 |
| Pretax income | 1,159,000 | 2,787,000 | 4,645,000 | 6,475,000 |
| Income tax | 145,000 | 406,000 | 724,000 | 1,039,000 |
| Net income | 1,014,000 | 2,381,000 | 3,921,000 | 5,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,665,000 | 85,232,000 | 85,011,000 | 85,734,000 |
| Total capital | 89,341,000 | 90,028,000 | 89,620,000 | 90,361,000 |
| Risk-weighted assets | 373,758,000 | 383,437,000 | 368,401,000 | 369,773,000 |