Home > Citizens Bank of Kentucky > Assets and Liabilities
Citizens Bank of Kentucky, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 354 | 507 |
| Assets and Liabilities | ||
| Total Assets: | $733,995,000 | 681 |
| Cash and due from depository institutions | $11,629,000 | 507 |
| Interest-bearing balances | $2,000 | 6,502 |
| Securities | $239,884,000 | 530 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $450,044,000 | 685 |
| Loan loss allowance | $6,910,000 | 636 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $12,348,000 | 601 |
| Other real estate owned | $343,000 | 507 |
| Goodwill and other intangibles | $12,412,000 | 331 |
| All other assets | $7,335,000 | 1,094 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $733,995,000 | 681 |
| Total liabilities | $671,562,000 | 676 |
| Total deposits | $433,691,000 | 872 |
| Interest-bearing deposits | $384,222,000 | 848 |
| Deposits held in domestic offices | $433,691,000 | 867 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $171,536,000 | 245 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $58,685,000 | 526 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $7,650,000 | 743 |
| Total equity capital | $62,433,000 | 760 |
| Total bank equity capital | $62,433,000 | 760 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $290,000 | 6,387 |
| Surplus | $30,201,000 | 627 |
| Undivided profits | $31,942,000 | 806 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,864,000 | 983 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $3,262,000 | 685 |
| Earning assets | $689,930,000 | 666 |
| Long-term assets (5+ years) | $290,515,000 | 308 |
| Average Assets, year-to-date | $694,854,400 | 673 |
| Average Assets, quarterly | $721,733,500 | 679 |
| Volatile liabilities | $219,044,000 | 506 |
| Insider loans | $11,879,000 | 335 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $2,370,000 | 543 |
| Unused loan commitments | $51,448,000 | 1,072 |
| Tier 1 (core) risk-based capital | $49,755,000 | 854 |
| Tier 2 risk-based capital | $6,180,450 | 612 |
| Total risk weighted assets | $493,654,250 | 656 |
| Total unused commitments | $51,448,000 | 1,077 |
| Derivatives | $96,000,000 | 207 |
| 1996-12-31 | Rank | |
| # of Employees: | 363 | 525 |
| Assets and Liabilities | ||
| Total Assets: | $678,516,000 | 741 |
| Cash and due from depository institutions | $13,615,000 | 525 |
| Interest-bearing balances | $2,000 | 6,536 |
| Securities | $276,792,000 | 497 |
| Federal funds sold & reverse repurchase agreements | $1,925,000 | 5,015 |
| Net loans & leases | $354,289,000 | 875 |
| Loan loss allowance | $5,618,000 | 800 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $10,160,000 | 744 |
| Other real estate owned | $572,000 | 525 |
| Goodwill and other intangibles | $13,196,000 | 309 |
| All other assets | $7,967,000 | 1,091 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $678,516,000 | 741 |
| Total liabilities | $620,561,000 | 736 |
| Total deposits | $430,439,000 | 912 |
| Interest-bearing deposits | $380,874,000 | 890 |
| Deposits held in domestic offices | $430,439,000 | 905 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $138,276,000 | 304 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $44,319,000 | 632 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $7,527,000 | 735 |
| Total equity capital | $57,955,000 | 813 |
| Total bank equity capital | $57,955,000 | 813 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $290,000 | 6,748 |
| Surplus | $30,201,000 | 655 |
| Undivided profits | $27,464,000 | 941 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,582,000 | 947 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $2,632,000 | 846 |
| Earning assets | $633,008,000 | 734 |
| Long-term assets (5+ years) | $216,806,000 | 391 |
| Average Assets, year-to-date | $609,874,200 | 788 |
| Average Assets, quarterly | $647,184,500 | 769 |
| Volatile liabilities | $140,078,000 | 703 |
| Insider loans | $10,871,000 | 400 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $723,000 | 853 |
| Unused loan commitments | $49,298,000 | 1,072 |
| Tier 1 (core) risk-based capital | $45,353,000 | 954 |
| Tier 2 risk-based capital | $4,932,380 | 740 |
| Total risk weighted assets | $393,787,480 | 795 |
| Total unused commitments | $49,298,000 | 1,077 |
| Derivatives | $66,415,000 | 282 |
| 1995-12-31 | Rank | |
| # of Employees: | 211 | 913 |
| Assets and Liabilities | ||
| Total Assets: | $569,225,000 | 894 |
| Cash and due from depository institutions | $13,066,000 | 913 |
| Interest-bearing balances | $106,000 | 4,765 |
| Securities | $232,106,000 | 595 |
| Federal funds sold & reverse repurchase agreements | $1,000,000 | 7,267 |
| Net loans & leases | $299,341,000 | 1,015 |
| Loan loss allowance | $4,260,000 | 1,020 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $8,162,000 | 928 |
| Other real estate owned | $750,000 | 913 |
| Goodwill and other intangibles | $8,852,000 | 377 |
| All other assets | $5,948,000 | 1,411 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $569,225,000 | 894 |
| Total liabilities | $518,371,000 | 891 |
| Total deposits | $423,941,000 | 946 |
| Interest-bearing deposits | $376,603,000 | 935 |
| Deposits held in domestic offices | $423,941,000 | 934 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $90,054,000 | 409 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $626,000 | 3,288 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $3,750,000 | 1,280 |
| Total equity capital | $50,854,000 | 930 |
| Total bank equity capital | $50,854,000 | 930 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $290,000 | 7,108 |
| Surplus | $27,049,000 | 719 |
| Undivided profits | $23,515,000 | 1,109 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,736,000 | 1,213 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $2,656,000 | 866 |
| Earning assets | $532,553,000 | 882 |
| Long-term assets (5+ years) | $154,897,000 | 472 |
| Average Assets, year-to-date | $507,190,000 | 947 |
| Average Assets, quarterly | $569,418,000 | 884 |
| Volatile liabilities | $91,819,000 | 868 |
| Insider loans | $6,414,000 | 693 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $32,004,000 | 124 |
| Unused loan commitments | $47,535,000 | 1,071 |
| Tier 1 (core) risk-based capital | $41,262,000 | 1,065 |
| Tier 2 risk-based capital | $3,659,760 | 955 |
| Total risk weighted assets | $292,030,460 | 1,023 |
| Total unused commitments | $47,535,000 | 1,078 |
| Derivatives | $20,000,000 | 446 |
| 1994-12-31 | Rank | |
| # of Employees: | 193 | 1,006 |
| Assets and Liabilities | ||
| Total Assets: | $464,328,000 | 1,030 |
| Cash and due from depository institutions | $12,207,000 | 1,006 |
| Interest-bearing balances | $401,000 | 3,556 |
| Securities | $160,844,000 | 825 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $267,666,000 | 1,073 |
| Loan loss allowance | $4,197,000 | 1,044 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $7,282,000 | 1,007 |
| Other real estate owned | $1,065,000 | 1,006 |
| Goodwill and other intangibles | $9,391,000 | 327 |
| All other assets | $5,873,000 | 1,484 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $464,328,000 | 1,030 |
| Total liabilities | $417,906,000 | 1,048 |
| Total deposits | $331,869,000 | 1,160 |
| Interest-bearing deposits | $280,803,000 | 1,165 |
| Deposits held in domestic offices | $331,869,000 | 1,149 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $82,603,000 | 443 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $940,000 | 3,234 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $2,494,000 | 1,517 |
| Total equity capital | $46,422,000 | 927 |
| Total bank equity capital | $46,422,000 | 927 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $290,000 | 7,513 |
| Surplus | $27,049,000 | 672 |
| Undivided profits | $19,083,000 | 1,241 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,377,000 | 1,358 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $2,000,000 | 976 |
| Earning assets | $428,911,000 | 1,020 |
| Long-term assets (5+ years) | $141,900,000 | 505 |
| Average Assets, year-to-date | $382,729,000 | 1,207 |
| Average Assets, quarterly | $468,556,000 | 1,009 |
| Volatile liabilities | $86,320,000 | 876 |
| Insider loans | $833,000 | 4,197 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $58,000 | 1,331 |
| Unused loan commitments | $26,199,000 | 1,571 |
| Tier 1 (core) risk-based capital | $38,254,000 | 1,072 |
| Tier 2 risk-based capital | $3,130,250 | 1,069 |
| Total risk weighted assets | $249,353,150 | 1,142 |
| Total unused commitments | $26,199,000 | 1,582 |
| Derivatives | $20,000,000 | 451 |
| 1993-12-31 | Rank | |
| # of Employees: | 30 | 6,405 |
| Assets and Liabilities | ||
| Total Assets: | $65,944,000 | 6,351 |
| Cash and due from depository institutions | $4,344,000 | 6,405 |
| Interest-bearing balances | $589,000 | 4,142 |
| Securities | $25,036,000 | 5,203 |
| Federal funds sold & reverse repurchase agreements | $4,470,000 | 3,111 |
| Net loans & leases | $30,463,000 | 6,915 |
| Loan loss allowance | $878,000 | 4,151 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $454,000 | 9,022 |
| Other real estate owned | $88,000 | 6,405 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,089,000 | 5,725 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $65,944,000 | 6,351 |
| Total liabilities | $58,396,000 | 6,476 |
| Total deposits | $57,969,000 | 6,313 |
| Interest-bearing deposits | $49,036,000 | 6,431 |
| Deposits held in domestic offices | $57,969,000 | 6,305 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $427,000 | 5,985 |
| Total equity capital | $7,548,000 | 5,251 |
| Total bank equity capital | $7,548,000 | 5,251 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $290,000 | 7,912 |
| Surplus | $1,760,000 | 6,064 |
| Undivided profits | $5,498,000 | 4,017 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $474,000 | 5,048 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $174,000 | 660 |
| Income earned, not collected on loans | $595,000 | 3,074 |
| Earning assets | $60,558,000 | 6,355 |
| Long-term assets (5+ years) | $13,468,000 | 3,566 |
| Average Assets, year-to-date | $63,796,000 | 6,382 |
| Average Assets, quarterly | $64,018,000 | 6,446 |
| Volatile liabilities | $2,912,000 | 8,494 |
| Insider loans | $1,090,000 | 3,499 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $5,979,000 | 4,398 |
| Tier 1 (core) risk-based capital | $7,548,000 | 5,176 |
| Tier 2 risk-based capital | $460,540 | 5,644 |
| Total risk weighted assets | $36,425,440 | 6,332 |
| Total unused commitments | $5,979,000 | 4,423 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 28 | 6,885 |
| Assets and Liabilities | ||
| Total Assets: | $62,433,000 | 6,718 |
| Cash and due from depository institutions | $3,448,000 | 6,885 |
| Interest-bearing balances | $774,000 | 4,270 |
| Securities | $23,842,000 | 5,366 |
| Federal funds sold & reverse repurchase agreements | $2,575,000 | 5,586 |
| Net loans & leases | $30,932,000 | 6,900 |
| Loan loss allowance | $862,000 | 4,225 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $489,000 | 9,006 |
| Other real estate owned | $132,000 | 6,885 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,015,000 | 6,280 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $62,433,000 | 6,718 |
| Total liabilities | $55,603,000 | 6,833 |
| Total deposits | $55,314,000 | 6,687 |
| Interest-bearing deposits | $47,882,000 | 6,716 |
| Deposits held in domestic offices | $55,314,000 | 6,678 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $289,000 | 8,409 |
| Total equity capital | $6,830,000 | 5,493 |
| Total bank equity capital | $6,830,000 | 5,493 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $264,000 | 8,428 |
| Surplus | $1,760,000 | 5,983 |
| Undivided profits | $4,806,000 | 4,313 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $487,000 | 5,729 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $592,000 | 3,435 |
| Earning assets | $58,123,000 | 6,620 |
| Long-term assets (5+ years) | $13,955,000 | 3,423 |
| Average Assets, year-to-date | $62,271,400 | 6,588 |
| Average Assets, quarterly | $62,416,000 | 6,666 |
| Volatile liabilities | $4,110,000 | 7,309 |
| Insider loans | $295,000 | 2,954 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $5,230,000 | 4,500 |
| Tier 1 (core) risk-based capital | $6,830,000 | 5,434 |
| Tier 2 risk-based capital | $456,080 | 5,643 |
| Total risk weighted assets | $36,080,180 | 6,427 |
| Total unused commitments | $5,230,000 | 4,525 |
| Derivatives | $0 | 651 |