Call reports 2014
UNITED CITIZENS BANK & TRUST COMPANY — 2014
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 101,388,000 | 100,018,000 | 101,414,000 | 105,486,000 |
| Total loans | 53,682,000 | 54,256,000 | 55,840,000 | 56,057,000 |
| Allowance for loan losses | 587,000 | 612,000 | 634,000 | 657,000 |
| Securities available for sale | 24,230,000 | 23,398,000 | 22,882,000 | 22,705,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 1,700,000 | 2,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,057,000 | 76,432,000 | 75,834,000 | 79,420,000 |
| Interest-bearing deposits | 58,439,000 | 57,651,000 | 57,379,000 | 58,865,000 |
| Noninterest-bearing deposits | 19,618,000 | 18,781,000 | 18,455,000 | 20,555,000 |
| Equity capital | 11,453,000 | 11,699,000 | 11,897,000 | 11,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,000,000 | 1,963,000 | 2,963,000 | 3,960,000 |
| Interest expense | 128,000 | 255,000 | 386,000 | 517,000 |
| Net interest income | 872,000 | 1,708,000 | 2,577,000 | 3,443,000 |
| Noninterest income | 129,000 | 269,000 | 412,000 | 558,000 |
| Noninterest expense | 741,000 | 1,427,000 | 2,182,000 | 2,927,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 242,000 | 514,000 | 753,000 | 1,004,000 |
| Income tax | 63,000 | 137,000 | 200,000 | 267,000 |
| Net income | 179,000 | 377,000 | 553,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,093,000 | 12,050,000 | 12,226,000 | 12,091,000 |
| Total capital | 12,680,000 | 12,662,000 | 12,860,000 | 12,748,000 |
| Risk-weighted assets | 59,925,000 | 60,221,000 | 61,928,000 | 62,823,000 |