Call reports 2003
UNITED CITIZENS BANK & TRUST COMPANY — 2003
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 80,618,000 | 79,698,000 | 78,504,000 | 79,886,000 |
| Total loans | 48,959,000 | 47,719,000 | 45,495,000 | 44,055,000 |
| Allowance for loan losses | 637,000 | 617,000 | 620,000 | 617,000 |
| Securities available for sale | 11,708,000 | 12,203,000 | 11,594,000 | 11,234,000 |
| Securities held to maturity | 4,125,000 | 6,499,000 | 7,634,000 | 17,236,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,893,000 | 64,917,000 | 64,239,000 | 65,548,000 |
| Interest-bearing deposits | 54,029,000 | 52,886,000 | 52,727,000 | 53,501,000 |
| Noninterest-bearing deposits | 11,864,000 | 12,031,000 | 11,512,000 | 12,047,000 |
| Equity capital | 9,035,000 | 8,952,000 | 9,048,000 | 8,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,063,000 | 2,105,000 | 3,118,000 | 4,131,000 |
| Interest expense | 355,000 | 694,000 | 1,010,000 | 1,309,000 |
| Net interest income | 708,000 | 1,411,000 | 2,108,000 | 2,822,000 |
| Noninterest income | 115,000 | 232,000 | 350,000 | 460,000 |
| Noninterest expense | 499,000 | 1,010,000 | 1,522,000 | 2,050,000 |
| Provision for loan losses | 0 | 2,000 | 8,000 | 14,000 |
| Pretax income | 324,000 | 631,000 | 928,000 | 1,218,000 |
| Income tax | 93,000 | 181,000 | 267,000 | 352,000 |
| Net income | 231,000 | 450,000 | 661,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,794,000 | 8,712,000 | 8,924,000 | 8,779,000 |
| Total capital | 9,417,000 | 9,326,000 | 9,526,000 | 9,362,000 |
| Risk-weighted assets | 49,839,000 | 49,111,000 | 48,161,000 | 46,636,000 |