Call reports 2009
UNITED CITIZENS BANK & TRUST COMPANY — 2009
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 84,528,000 | 82,791,000 | 82,371,000 | 83,806,000 |
| Total loans | 41,455,000 | 45,415,000 | 45,390,000 | 46,972,000 |
| Allowance for loan losses | 573,000 | 578,000 | 578,000 | 579,000 |
| Securities available for sale | 21,228,000 | 18,476,000 | 19,636,000 | 18,172,000 |
| Securities held to maturity | 10,531,000 | 8,208,000 | 6,707,000 | 5,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,738,000 | 62,061,000 | 60,783,000 | 61,667,000 |
| Interest-bearing deposits | 48,808,000 | 47,542,000 | 47,832,000 | 48,074,000 |
| Noninterest-bearing deposits | 14,930,000 | 14,519,000 | 12,951,000 | 13,593,000 |
| Equity capital | 10,780,000 | 10,632,000 | 10,975,000 | 10,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,028,000 | 2,073,000 | 3,094,000 | 4,111,000 |
| Interest expense | 326,000 | 632,000 | 920,000 | 1,200,000 |
| Net interest income | 702,000 | 1,441,000 | 2,174,000 | 2,911,000 |
| Noninterest income | 140,000 | 303,000 | 476,000 | 641,000 |
| Noninterest expense | 661,000 | 1,318,000 | 1,939,000 | 2,475,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 181,000 | 426,000 | 709,000 | 1,076,000 |
| Income tax | 38,000 | 98,000 | 172,000 | 274,000 |
| Net income | 143,000 | 328,000 | 537,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,589,000 | 10,535,000 | 10,743,000 | 10,703,000 |
| Total capital | 11,162,000 | 11,113,000 | 11,321,000 | 11,282,000 |
| Risk-weighted assets | 48,833,000 | 50,260,000 | 50,221,000 | 54,055,000 |