Call reports 2002
UNITED CITIZENS BANK & TRUST COMPANY — 2002
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 79,577,000 | 79,095,000 | 79,660,000 | 80,072,000 |
| Total loans | 49,055,000 | 48,709,000 | 50,308,000 | 50,218,000 |
| Allowance for loan losses | 741,000 | 744,000 | 734,000 | 714,000 |
| Securities available for sale | 14,458,000 | 13,998,000 | 13,110,000 | 13,772,000 |
| Securities held to maturity | 482,000 | 3,117,000 | 4,217,000 | 3,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,723,000 | 64,952,000 | 64,648,000 | 65,020,000 |
| Interest-bearing deposits | 55,474,000 | 53,794,000 | 53,766,000 | 53,395,000 |
| Noninterest-bearing deposits | 10,249,000 | 11,158,000 | 10,882,000 | 11,625,000 |
| Equity capital | 8,738,000 | 8,771,000 | 9,053,000 | 8,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,208,000 | 2,357,000 | 3,519,000 | 4,667,000 |
| Interest expense | 508,000 | 953,000 | 1,391,000 | 1,797,000 |
| Net interest income | 700,000 | 1,404,000 | 2,128,000 | 2,870,000 |
| Noninterest income | 91,000 | 198,000 | 303,000 | 412,000 |
| Noninterest expense | 530,000 | 1,046,000 | 1,573,000 | 2,105,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 261,000 | 556,000 | 858,000 | 1,177,000 |
| Income tax | 71,000 | 153,000 | 237,000 | 329,000 |
| Net income | 190,000 | 403,000 | 621,000 | 848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,605,000 | 8,518,000 | 8,736,000 | 8,563,000 |
| Total capital | 9,230,000 | 9,139,000 | 9,374,000 | 9,196,000 |
| Risk-weighted assets | 49,908,000 | 49,587,000 | 50,959,000 | 50,589,000 |