Vitals
  • Total Assets
    234.6M -4.3 %
  • Total Deposits
    204.3M 3.1 %
  • Total Net Loans
    142.4M -1.1 %
  • Net Income
    1.2M -0.3 %
  • Book Value
    24.1M -7.6 %
  • Book Value x2
    48.2M -7.6 %
  • Book Value x3
    72.4M -7.6 %
ROAA

.495

ROAE

4.645

Efficiency Ratio

91.06

Net Interest Margin

3.612

Balance Sheet Highlights
Financial Highlights Citizens Bank Of Northern Kentucky, Inc. All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 234,565 275,102
Total Net Loans 142,390 177,820
Total Deposits 204,291 227,063
Total Equity 24,123 30,287
Profitability
Net Income 1,189 2,592
Return on Average Assets .495 .944
Return on Average Equity 4.645 8.074
Net Interest Margin 3.612 3.847
Efficiency Ratio 91.06 70.925
Noninterest Income/Revenue 20.578 17.219
Balance Sheet Ratios
Loan-to-Deposit 69.7 76.952
Securities/Assets .217 .219
Total Equity/Total Assets .103 .11
Tangible Equity/Tangible Assets .102 .107
Capital Adequacy
Tier 1 Common Capital 24,661 29,354
Tier 1 Capital 24,661 29,354
Tier 2 Capital 1,873 2,092
Total Capital 26,534 31,454
Total Risk Weighted Assets 161,781 190,479
Leverage Ratio 10.68 11.285
Common Equity Tier 1 Capital Ratio 15.24 17.115
Tier 1 Capital Ratio 15.24 17.115
Total Capital Ratio 16.4 18.174

Timeline for Citizens Bank Of Northern Kentucky, Inc.

Enky Properties, Inc.

Enky Properties, Inc. became a new subsidiary organization for Citizens Bank Of Northern Kentucky, Inc..

View Profile Mar 28 2008

Farmers Capital Bank Corporation

Farmers Capital Bank Corporation became a new parent organization for Citizens Bank Of Northern Kentucky, Inc..

View Profile Jan 02 2007

Citizens Acquisition Subsidiary Corp

Citizens Acquisition Subsidiary Corp became a new parent organization for Citizens Bank Of Northern Kentucky, Inc..

View Profile Dec 06 2005

Citizens Bancorp, Inc.

Citizens Bancorp, Inc. became a new parent organization for Citizens Bank Of Northern Kentucky, Inc..

View Profile Dec 23 1996

Citizens Bank Of Northern Kentucky, Inc.

Citizens Bank Of Northern Kentucky, Inc. was established 30 years ago and is currently headquartered in Newport, KY.

Oct 12 1993
Relationships Role Relationship Start Relationship End
Farmers Capital Bank Corporation Parent 1/2/2007
Citizens Acquisition Subsidiary Corp Parent 12/6/2005 1/1/2007
Citizens Bancorp, Inc. Parent 12/23/1996 12/5/2005
Enky Properties, Inc. Subsidary 3/28/2008
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