Call reports 2010
UNITED CITIZENS BANK & TRUST COMPANY — 2010
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 84,794,000 | 86,170,000 | 86,468,000 | 84,830,000 |
| Total loans | 45,318,000 | 45,885,000 | 46,676,000 | 50,719,000 |
| Allowance for loan losses | 579,000 | 583,000 | 581,000 | 581,000 |
| Securities available for sale | 18,665,000 | 18,380,000 | 13,434,000 | 14,410,000 |
| Securities held to maturity | 4,355,000 | 3,699,000 | 2,698,000 | 1,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,571,000 | 63,380,000 | 63,240,000 | 62,640,000 |
| Interest-bearing deposits | 48,900,000 | 49,190,000 | 50,683,000 | 50,020,000 |
| Noninterest-bearing deposits | 13,672,000 | 14,190,000 | 12,557,000 | 12,620,000 |
| Equity capital | 11,049,000 | 11,106,000 | 11,342,000 | 11,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 968,000 | 1,962,000 | 2,947,000 | 3,952,000 |
| Interest expense | 269,000 | 534,000 | 800,000 | 1,052,000 |
| Net interest income | 699,000 | 1,428,000 | 2,147,000 | 2,900,000 |
| Noninterest income | 152,000 | 314,000 | 479,000 | 640,000 |
| Noninterest expense | 621,000 | 1,223,000 | 1,840,000 | 2,461,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 230,000 | 519,000 | 786,000 | 1,079,000 |
| Income tax | 54,000 | 129,000 | 198,000 | 275,000 |
| Net income | 176,000 | 390,000 | 588,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,879,000 | 10,843,000 | 11,040,000 | 10,957,000 |
| Total capital | 11,458,000 | 11,426,000 | 11,621,000 | 11,538,000 |
| Risk-weighted assets | 53,659,000 | 50,923,000 | 52,573,000 | 55,234,000 |