Call reports 2020
UNITED CITIZENS BANK & TRUST COMPANY — 2020
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 115,056,000 | 127,795,000 | 128,248,000 | 134,280,000 |
| Total loans | 75,858,000 | 84,489,000 | 87,880,000 | 89,907,000 |
| Allowance for loan losses | 916,000 | 917,000 | 935,000 | 943,000 |
| Securities available for sale | 13,226,000 | 16,105,000 | 13,939,000 | 13,036,000 |
| Securities held to maturity | 1,656,000 | 1,653,000 | 1,943,000 | 1,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,633,000 | 105,975,000 | 106,421,000 | 112,975,000 |
| Interest-bearing deposits | 64,281,000 | 67,801,000 | 70,235,000 | 72,940,000 |
| Noninterest-bearing deposits | 29,353,000 | 38,174,000 | 36,186,000 | 40,035,000 |
| Equity capital | 14,634,000 | 15,153,000 | 15,467,000 | 15,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,242,000 | 2,760,000 | 3,974,000 | 5,135,000 |
| Interest expense | 145,000 | 288,000 | 426,000 | 565,000 |
| Net interest income | 1,097,000 | 2,472,000 | 3,548,000 | 4,570,000 |
| Noninterest income | 134,000 | 255,000 | 393,000 | 530,000 |
| Noninterest expense | 822,000 | 1,663,000 | 2,530,000 | 3,518,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 409,000 | 1,064,000 | 1,411,000 | 1,572,000 |
| Income tax | 72,000 | 200,000 | 261,000 | 276,000 |
| Net income | 337,000 | 864,000 | 1,150,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,593,000 | 14,870,000 | 15,157,000 | 14,952,000 |
| Total capital | 15,486,000 | 15,787,000 | 16,092,000 | 15,895,000 |
| Risk-weighted assets | 71,465,000 | 74,638,000 | 77,064,000 | 80,967,000 |