Call reports 2008
UNITED CITIZENS BANK & TRUST COMPANY — 2008
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 79,872,000 | 78,587,000 | 82,040,000 | 83,616,000 |
| Total loans | 37,233,000 | 37,058,000 | 40,506,000 | 41,958,000 |
| Allowance for loan losses | 580,000 | 585,000 | 577,000 | 581,000 |
| Securities available for sale | 18,491,000 | 19,199,000 | 18,177,000 | 21,593,000 |
| Securities held to maturity | 7,180,000 | 9,256,000 | 10,701,000 | 7,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,911,000 | 62,809,000 | 63,006,000 | 62,316,000 |
| Interest-bearing deposits | 49,605,000 | 49,289,000 | 49,146,000 | 47,903,000 |
| Noninterest-bearing deposits | 14,306,000 | 13,520,000 | 13,860,000 | 14,413,000 |
| Equity capital | 10,563,000 | 10,374,000 | 10,577,000 | 10,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,152,000 | 2,212,000 | 3,273,000 | 4,365,000 |
| Interest expense | 347,000 | 678,000 | 996,000 | 1,335,000 |
| Net interest income | 805,000 | 1,534,000 | 2,277,000 | 3,030,000 |
| Noninterest income | 133,000 | 260,000 | 394,000 | 530,000 |
| Noninterest expense | 661,000 | 1,207,000 | 1,796,000 | 2,391,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 277,000 | 587,000 | 875,000 | 1,169,000 |
| Income tax | 72,000 | 154,000 | 229,000 | 305,000 |
| Net income | 205,000 | 433,000 | 646,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,352,000 | 10,329,000 | 10,543,000 | 10,456,000 |
| Total capital | 10,907,000 | 10,886,000 | 11,120,000 | 11,037,000 |
| Risk-weighted assets | 44,360,000 | 44,516,000 | 47,794,000 | 49,246,000 |
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