Call reports 2011
UNITED CITIZENS BANK & TRUST COMPANY — 2011
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 85,823,000 | 88,242,000 | 88,656,000 | 90,135,000 |
| Total loans | 51,619,000 | 49,710,000 | 49,671,000 | 50,884,000 |
| Allowance for loan losses | 582,000 | 583,000 | 579,000 | 578,000 |
| Securities available for sale | 16,414,000 | 20,946,000 | 22,267,000 | 21,524,000 |
| Securities held to maturity | 847,000 | 847,000 | 847,000 | 846,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,130,000 | 66,310,000 | 66,089,000 | 68,125,000 |
| Interest-bearing deposits | 50,206,000 | 51,605,000 | 50,765,000 | 51,048,000 |
| Noninterest-bearing deposits | 13,925,000 | 14,706,000 | 15,324,000 | 17,077,000 |
| Equity capital | 11,308,000 | 11,438,000 | 11,760,000 | 11,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,003,000 | 2,013,000 | 3,032,000 | 4,040,000 |
| Interest expense | 216,000 | 420,000 | 624,000 | 821,000 |
| Net interest income | 787,000 | 1,593,000 | 2,408,000 | 3,219,000 |
| Noninterest income | 144,000 | 288,000 | 499,000 | 658,000 |
| Noninterest expense | 628,000 | 1,236,000 | 1,864,000 | 2,482,000 |
| Provision for loan losses | 1,000 | 1,000 | 2,000 | 2,000 |
| Pretax income | 302,000 | 644,000 | 1,041,000 | 1,393,000 |
| Income tax | 81,000 | 175,000 | 272,000 | 371,000 |
| Net income | 221,000 | 469,000 | 769,000 | 1,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,178,000 | 11,176,000 | 11,476,000 | 11,379,000 |
| Total capital | 11,762,000 | 11,759,000 | 12,055,000 | 11,957,000 |
| Risk-weighted assets | 55,858,000 | 54,780,000 | 54,404,000 | 55,901,000 |