Call reports 2012
UNITED CITIZENS BANK & TRUST COMPANY — 2012
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 91,844,000 | 91,446,000 | 93,967,000 | 95,350,000 |
| Total loans | 51,434,000 | 51,265,000 | 51,339,000 | 50,845,000 |
| Allowance for loan losses | 579,000 | 518,000 | 520,000 | 530,000 |
| Securities available for sale | 23,510,000 | 21,283,000 | 23,735,000 | 23,473,000 |
| Securities held to maturity | 846,000 | 1,146,000 | 780,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,203,000 | 69,844,000 | 71,476,000 | 72,379,000 |
| Interest-bearing deposits | 53,090,000 | 52,732,000 | 53,016,000 | 53,611,000 |
| Noninterest-bearing deposits | 17,113,000 | 17,112,000 | 18,460,000 | 18,768,000 |
| Equity capital | 11,772,000 | 11,822,000 | 12,040,000 | 11,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,002,000 | 1,965,000 | 2,931,000 | 3,943,000 |
| Interest expense | 178,000 | 347,000 | 508,000 | 660,000 |
| Net interest income | 824,000 | 1,618,000 | 2,423,000 | 3,283,000 |
| Noninterest income | 135,000 | 276,000 | 418,000 | 559,000 |
| Noninterest expense | 677,000 | 1,313,000 | 1,956,000 | 2,615,000 |
| Provision for loan losses | 1,000 | 6,000 | 13,000 | 23,000 |
| Pretax income | 281,000 | 575,000 | 872,000 | 1,204,000 |
| Income tax | 72,000 | 148,000 | 225,000 | 314,000 |
| Net income | 209,000 | 427,000 | 647,000 | 890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,589,000 | 11,556,000 | 11,775,000 | 11,679,000 |
| Total capital | 12,168,000 | 12,074,000 | 12,295,000 | 12,209,000 |
| Risk-weighted assets | 56,731,000 | 56,699,000 | 56,734,000 | 56,834,000 |