Call reports 2005
UNITED CITIZENS BANK & TRUST COMPANY — 2005
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 79,393,000 | 76,349,000 | 76,401,000 | 75,524,000 |
| Total loans | 40,126,000 | 38,590,000 | 38,379,000 | 37,904,000 |
| Allowance for loan losses | 631,000 | 617,000 | 614,000 | 612,000 |
| Securities available for sale | 11,122,000 | 11,210,000 | 10,530,000 | 10,723,000 |
| Securities held to maturity | 14,114,000 | 13,597,000 | 13,321,000 | 13,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,891,000 | 62,673,000 | 62,976,000 | 61,986,000 |
| Interest-bearing deposits | 53,453,000 | 50,430,000 | 50,501,000 | 48,317,000 |
| Noninterest-bearing deposits | 12,438,000 | 12,243,000 | 12,475,000 | 13,669,000 |
| Equity capital | 9,073,000 | 9,080,000 | 9,327,000 | 9,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 941,000 | 1,900,000 | 2,912,000 | 3,938,000 |
| Interest expense | 241,000 | 474,000 | 705,000 | 936,000 |
| Net interest income | 700,000 | 1,426,000 | 2,207,000 | 3,002,000 |
| Noninterest income | 106,000 | 234,000 | 389,000 | 505,000 |
| Noninterest expense | 484,000 | 974,000 | 1,492,000 | 2,030,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 322,000 | 686,000 | 1,104,000 | 1,477,000 |
| Income tax | 96,000 | 211,000 | 343,000 | 460,000 |
| Net income | 226,000 | 475,000 | 761,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,165,000 | 9,114,000 | 9,400,000 | 9,267,000 |
| Total capital | 9,740,000 | 9,659,000 | 9,947,000 | 9,817,000 |
| Risk-weighted assets | 45,905,000 | 43,503,000 | 43,733,000 | 43,926,000 |