Call reports 2015
UNITED CITIZENS BANK & TRUST COMPANY — 2015
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 107,001,000 | 108,970,000 | 107,474,000 | 107,656,000 |
| Total loans | 56,643,000 | 54,503,000 | 54,906,000 | 56,793,000 |
| Allowance for loan losses | 686,000 | 709,000 | 717,000 | 662,000 |
| Securities available for sale | 22,013,000 | 19,622,000 | 17,603,000 | 17,532,000 |
| Securities held to maturity | 6,115,000 | 7,870,000 | 7,071,000 | 4,082,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,689,000 | 82,891,000 | 81,425,000 | 82,188,000 |
| Interest-bearing deposits | 59,245,000 | 60,752,000 | 59,389,000 | 58,798,000 |
| Noninterest-bearing deposits | 21,444,000 | 22,139,000 | 22,036,000 | 23,390,000 |
| Equity capital | 12,279,000 | 12,053,000 | 12,379,000 | 12,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 984,000 | 1,949,000 | 2,913,000 | 3,867,000 |
| Interest expense | 131,000 | 261,000 | 389,000 | 513,000 |
| Net interest income | 853,000 | 1,688,000 | 2,524,000 | 3,354,000 |
| Noninterest income | 138,000 | 286,000 | 437,000 | 580,000 |
| Noninterest expense | 775,000 | 1,512,000 | 2,258,000 | 3,007,000 |
| Provision for loan losses | 22,000 | 45,000 | 53,000 | 53,000 |
| Pretax income | 194,000 | 417,000 | 700,000 | 924,000 |
| Income tax | 48,000 | 108,000 | 188,000 | 246,000 |
| Net income | 146,000 | 309,000 | 512,000 | 678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,237,000 | 12,200,000 | 12,402,000 | 12,269,000 |
| Total capital | 12,923,000 | 12,909,000 | 13,119,000 | 12,931,000 |
| Risk-weighted assets | 60,046,000 | 61,763,000 | 60,289,000 | 61,617,000 |