Call reports 2018
UNITED CITIZENS BANK & TRUST COMPANY — 2018
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 109,843,000 | 109,382,000 | 109,564,000 | 109,320,000 |
| Total loans | 71,595,000 | 70,503,000 | 70,336,000 | 73,162,000 |
| Allowance for loan losses | 750,000 | 783,000 | 843,000 | 861,000 |
| Securities available for sale | 16,231,000 | 15,924,000 | 15,620,000 | 15,702,000 |
| Securities held to maturity | 2,492,000 | 2,489,000 | 2,444,000 | 2,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,006,000 | 87,488,000 | 88,063,000 | 88,046,000 |
| Interest-bearing deposits | 61,154,000 | 60,002,000 | 59,811,000 | 60,667,000 |
| Noninterest-bearing deposits | 26,852,000 | 27,486,000 | 28,252,000 | 27,379,000 |
| Equity capital | 12,745,000 | 12,817,000 | 12,967,000 | 13,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,084,000 | 2,225,000 | 3,377,000 | 4,566,000 |
| Interest expense | 98,000 | 196,000 | 308,000 | 423,000 |
| Net interest income | 986,000 | 2,029,000 | 3,069,000 | 4,143,000 |
| Noninterest income | 134,000 | 276,000 | 421,000 | 569,000 |
| Noninterest expense | 773,000 | 1,543,000 | 2,378,000 | 3,179,000 |
| Provision for loan losses | 30,000 | 68,000 | 130,000 | 147,000 |
| Pretax income | 317,000 | 694,000 | 982,000 | 1,386,000 |
| Income tax | 55,000 | 123,000 | 175,000 | 245,000 |
| Net income | 262,000 | 571,000 | 807,000 | 1,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,159,000 | 13,244,000 | 13,479,000 | 13,463,000 |
| Total capital | 13,909,000 | 14,027,000 | 14,317,000 | 14,318,000 |
| Risk-weighted assets | 70,592,000 | 66,995,000 | 67,051,000 | 68,421,000 |