Call reports 2013
UNITED CITIZENS BANK & TRUST COMPANY — 2013
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 97,023,000 | 96,745,000 | 96,451,000 | 99,535,000 |
| Total loans | 49,466,000 | 50,507,000 | 53,810,000 | 54,420,000 |
| Allowance for loan losses | 558,000 | 548,000 | 558,000 | 561,000 |
| Securities available for sale | 26,979,000 | 25,752,000 | 24,891,000 | 24,146,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,376,000 | 74,462,000 | 72,182,000 | 76,202,000 |
| Interest-bearing deposits | 55,764,000 | 56,628,000 | 54,261,000 | 56,234,000 |
| Noninterest-bearing deposits | 18,612,000 | 17,834,000 | 17,921,000 | 19,968,000 |
| Equity capital | 12,037,000 | 11,251,000 | 11,286,000 | 11,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 935,000 | 1,877,000 | 2,844,000 | 3,846,000 |
| Interest expense | 138,000 | 267,000 | 392,000 | 526,000 |
| Net interest income | 797,000 | 1,610,000 | 2,452,000 | 3,320,000 |
| Noninterest income | 134,000 | 282,000 | 428,000 | 558,000 |
| Noninterest expense | 685,000 | 1,335,000 | 1,994,000 | 2,678,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 231,000 | 527,000 | 841,000 | 1,140,000 |
| Income tax | 55,000 | 135,000 | 218,000 | 300,000 |
| Net income | 176,000 | 392,000 | 623,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,855,000 | 11,822,000 | 11,977,000 | 11,913,000 |
| Total capital | 12,413,000 | 12,370,000 | 12,535,000 | 12,474,000 |
| Risk-weighted assets | 56,000,000 | 57,212,000 | 59,261,000 | 60,507,000 |