Call reports 2007
UNITED CITIZENS BANK & TRUST COMPANY — 2007
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 77,422,000 | 75,441,000 | 77,376,000 | 78,183,000 |
| Total loans | 39,830,000 | 39,407,000 | 40,060,000 | 38,391,000 |
| Allowance for loan losses | 575,000 | 577,000 | 581,000 | 579,000 |
| Securities available for sale | 16,354,000 | 17,350,000 | 17,080,000 | 18,557,000 |
| Securities held to maturity | 5,606,000 | 6,336,000 | 6,337,000 | 7,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,995,000 | 60,883,000 | 61,399,000 | 61,850,000 |
| Interest-bearing deposits | 48,767,000 | 47,485,000 | 47,856,000 | 48,020,000 |
| Noninterest-bearing deposits | 14,228,000 | 13,397,000 | 13,543,000 | 13,830,000 |
| Equity capital | 9,940,000 | 9,859,000 | 10,353,000 | 10,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,180,000 | 2,407,000 | 3,651,000 | 4,883,000 |
| Interest expense | 300,000 | 624,000 | 960,000 | 1,315,000 |
| Net interest income | 880,000 | 1,783,000 | 2,691,000 | 3,568,000 |
| Noninterest income | 124,000 | 265,000 | 406,000 | 540,000 |
| Noninterest expense | 654,000 | 1,202,000 | 1,752,000 | 2,309,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 350,000 | 846,000 | 1,345,000 | 1,799,000 |
| Income tax | 99,000 | 246,000 | 393,000 | 528,000 |
| Net income | 251,000 | 600,000 | 952,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,946,000 | 9,976,000 | 10,328,000 | 10,147,000 |
| Total capital | 10,511,000 | 10,530,000 | 10,895,000 | 10,703,000 |
| Risk-weighted assets | 45,184,000 | 44,320,000 | 45,371,000 | 44,448,000 |