Call reports 2025
CITIZENS BANK OF KENTUCKY, INC — 2025
What CITIZENS BANK OF KENTUCKY, INC reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 678,859,000 | 689,836,000 | 701,663,000 | 689,269,000 |
| Total loans | 329,406,000 | 330,531,000 | 325,623,000 | 336,747,000 |
| Allowance for loan losses | 4,903,000 | 4,884,000 | 4,920,000 | 4,919,000 |
| Securities available for sale | 253,533,000 | 262,343,000 | 265,387,000 | 272,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 590,377,000 | 598,670,000 | 606,999,000 | 591,438,000 |
| Interest-bearing deposits | 417,889,000 | 421,510,000 | 432,166,000 | 419,183,000 |
| Noninterest-bearing deposits | 172,488,000 | 177,160,000 | 174,833,000 | 172,255,000 |
| Equity capital | 80,034,000 | 82,365,000 | 86,000,000 | 89,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,883,000 | 14,141,000 | 21,499,000 | 29,013,000 |
| Interest expense | 1,991,000 | 3,959,000 | 6,029,000 | 8,104,000 |
| Net interest income | 4,892,000 | 10,182,000 | 15,470,000 | 20,909,000 |
| Noninterest income | 1,058,000 | 2,170,000 | 3,297,000 | 4,469,000 |
| Noninterest expense | 4,412,000 | 8,800,000 | 13,200,000 | 17,674,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 1,570,000 | 3,586,000 | 5,457,000 | 7,667,000 |
| Income tax | 254,000 | 612,000 | 934,000 | 1,345,000 |
| Net income | 1,316,000 | 2,974,000 | 4,523,000 | 6,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,250,000 | 87,108,000 | 87,831,000 | 88,812,000 |
| Total capital | 90,907,000 | 91,765,000 | 92,502,000 | 93,561,000 |
| Risk-weighted assets | 372,242,000 | 372,300,000 | 373,252,000 | 379,684,000 |