Call reports 2004
UNITED CITIZENS BANK & TRUST COMPANY — 2004
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,891,000 | 82,783,000 | 80,606,000 | 79,371,000 |
| Total loans | 42,484,000 | 41,426,000 | 41,153,000 | 40,627,000 |
| Allowance for loan losses | 619,000 | 624,000 | 633,000 | 632,000 |
| Securities available for sale | 11,747,000 | 11,560,000 | 12,429,000 | 12,638,000 |
| Securities held to maturity | 11,522,000 | 21,714,000 | 21,529,000 | 19,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,792,000 | 68,852,000 | 66,814,000 | 65,563,000 |
| Interest-bearing deposits | 54,922,000 | 54,690,000 | 53,731,000 | 53,280,000 |
| Noninterest-bearing deposits | 11,870,000 | 14,162,000 | 13,083,000 | 12,283,000 |
| Equity capital | 9,083,000 | 8,801,000 | 9,113,000 | 8,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 939,000 | 1,859,000 | 2,789,000 | 3,730,000 |
| Interest expense | 282,000 | 552,000 | 815,000 | 1,065,000 |
| Net interest income | 657,000 | 1,307,000 | 1,974,000 | 2,665,000 |
| Noninterest income | 112,000 | 230,000 | 364,000 | 483,000 |
| Noninterest expense | 518,000 | 1,027,000 | 1,529,000 | 2,010,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 20,000 |
| Pretax income | 252,000 | 508,000 | 801,000 | 1,128,000 |
| Income tax | 70,000 | 146,000 | 234,000 | 332,000 |
| Net income | 182,000 | 362,000 | 567,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,961,000 | 8,866,000 | 9,070,000 | 8,939,000 |
| Total capital | 9,546,000 | 9,435,000 | 9,638,000 | 9,511,000 |
| Risk-weighted assets | 46,778,000 | 45,486,000 | 45,366,000 | 45,705,000 |