Call reports 2006
UNITED CITIZENS BANK & TRUST COMPANY — 2006
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 76,105,000 | 76,397,000 | 74,396,000 | 73,773,000 |
| Total loans | 39,081,000 | 42,403,000 | 41,053,000 | 40,788,000 |
| Allowance for loan losses | 609,000 | 612,000 | 615,000 | 573,000 |
| Securities available for sale | 11,126,000 | 9,765,000 | 12,833,000 | 15,716,000 |
| Securities held to maturity | 12,704,000 | 10,190,000 | 8,961,000 | 6,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,840,000 | 62,896,000 | 60,881,000 | 60,076,000 |
| Interest-bearing deposits | 48,268,000 | 48,398,000 | 47,564,000 | 47,141,000 |
| Noninterest-bearing deposits | 14,572,000 | 14,498,000 | 13,317,000 | 12,936,000 |
| Equity capital | 9,380,000 | 9,365,000 | 9,839,000 | 9,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,061,000 | 2,189,000 | 3,384,000 | 4,578,000 |
| Interest expense | 239,000 | 503,000 | 776,000 | 1,067,000 |
| Net interest income | 822,000 | 1,686,000 | 2,608,000 | 3,511,000 |
| Noninterest income | 105,000 | 233,000 | 382,000 | 523,000 |
| Noninterest expense | 620,000 | 1,155,000 | 1,686,000 | 2,250,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 307,000 | 770,000 | 1,310,000 | 1,790,000 |
| Income tax | 90,000 | 240,000 | 415,000 | 561,000 |
| Net income | 217,000 | 530,000 | 895,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,484,000 | 9,497,000 | 9,861,000 | 9,696,000 |
| Total capital | 10,050,000 | 10,098,000 | 10,443,000 | 10,269,000 |
| Risk-weighted assets | 45,205,000 | 48,031,000 | 46,555,000 | 46,156,000 |