Vitals
  • Total Assets
    596.9M 4.3 %
  • Total Deposits
    481.3M 3.8 %
  • Total Net Loans
    345.3M 8.3 %
  • Net Income
    5.6M 40.1 %
  • Book Value
    80.6M 4.6 %
  • Book Value x2
    161.2M 4.6 %
  • Book Value x3
    241.7M 4.6 %
ROAA

.936

ROAE

6.801

Efficiency Ratio

73.326

Net Interest Margin

3.562

Balance Sheet Highlights
Financial Highlights Citizens Bank Of Kentucky, Inc. All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 596,944 275,102
Total Net Loans 345,327 177,820
Total Deposits 481,264 227,063
Total Equity 80,576 30,287
Profitability
Net Income 5,572 2,592
Return on Average Assets .936 .944
Return on Average Equity 6.801 8.074
Net Interest Margin 3.562 3.847
Efficiency Ratio 73.326 70.925
Noninterest Income/Revenue 26.748 17.219
Balance Sheet Ratios
Loan-to-Deposit 71.754 76.952
Securities/Assets .245 .219
Total Equity/Total Assets .135 .11
Tangible Equity/Tangible Assets .107 .107
Capital Adequacy
Tier 1 Common Capital 63,982 29,354
Tier 1 Capital 63,982 29,354
Tier 2 Capital 3,585 2,092
Total Capital 67,567 31,454
Total Risk Weighted Assets 385,758 190,479
Leverage Ratio 11.22 11.285
Common Equity Tier 1 Capital Ratio 16.59 17.115
Tier 1 Capital Ratio 16.59 17.115
Total Capital Ratio 17.52 18.174

Timeline for Citizens Bank Of Kentucky, Inc.

Alliance Banking Company

Acquisition: Citizens Bank Of Kentucky, Inc. acquired a new subsidiary, Alliance Banking Company, 8 years

View Profile Jan 09 2016

Peoples Security Bank

Acquisition: Citizens Bank Of Kentucky, Inc. acquired a new subsidiary, Peoples Security Bank, 9 years

View Profile Dec 23 2014

Kentucky National Bank Of Pikeville

Acquisition: Citizens Bank Of Kentucky, Inc. acquired a new subsidiary, Kentucky National Bank Of Pikeville, 16 years

View Profile Aug 10 2007

Heritage Bank Of Ashland, Inc.

Acquisition: Citizens Bank Of Kentucky, Inc. acquired a new subsidiary, Heritage Bank Of Ashland, Inc., 17 years

View Profile Jun 24 2006

Cnc Mortgage, L.L.C.

Acquisition: Citizens Bank Of Kentucky, Inc. acquired a new subsidiary, Cnc Mortgage, L.L.C. , 17 years

View Profile May 31 2006

Want to see more?

Complete timeline for Citizens Bank Of Kentucky, Inc. is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Alliance Banking Company Seller 50,137 Acquisition Discontinued 1/9/2016
Peoples Security Bank Seller 47,327 Acquisition Discontinued 12/23/2014
Kentucky National Bank Of Pikeville Seller 75,690 Pooling of Interests Discontinued 8/10/2007
Heritage Bank Of Ashland, Inc. Seller 82,779 Pooling of Interests Discontinued 6/24/2006
Cnc Mortgage, L.L.C. Seller Pooling of Interests Discontinued 5/31/2006
Citco Financial Corporation Seller Pooling of Interests Discontinued 3/31/2006
The Bank Josephine Seller 107,706 Pooling of Interests Discontinued 5/26/1999
Relationships Role Relationship Start Relationship End
Citizens National Corporation Parent 4/11/1984
Cnc Development Foundation, Incorporated Subsidary 6/30/2007 1/31/2011
Cnc Development Foundation, Incorporated Subsidary 12/12/2003 6/29/2007
Cnc Mortgage, L.L.C. Subsidary 10/19/2000 5/30/2006
Citco Financial Corporation Subsidary 7/23/1998 3/30/2006
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