Call reports 2021
UNITED CITIZENS BANK & TRUST COMPANY — 2021
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 143,597,000 | 145,134,000 | 150,748,000 | 156,505,000 |
| Total loans | 101,685,000 | 103,152,000 | 100,797,000 | 105,818,000 |
| Allowance for loan losses | 966,000 | 1,013,000 | 1,051,000 | 1,045,000 |
| Securities available for sale | 12,400,000 | 15,845,000 | 23,532,000 | 28,408,000 |
| Securities held to maturity | 2,259,000 | 2,658,000 | 3,356,000 | 3,260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,973,000 | 123,464,000 | 134,364,000 | 140,599,000 |
| Interest-bearing deposits | 78,052,000 | 81,214,000 | 90,424,000 | 93,829,000 |
| Noninterest-bearing deposits | 43,921,000 | 42,250,000 | 43,940,000 | 46,770,000 |
| Equity capital | 15,735,000 | 16,150,000 | 15,987,000 | 15,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,828,000 | 3,713,000 | 4,937,000 | 6,188,000 |
| Interest expense | 90,000 | 180,000 | 271,000 | 341,000 |
| Net interest income | 1,738,000 | 3,533,000 | 4,666,000 | 5,847,000 |
| Noninterest income | 132,000 | 268,000 | 405,000 | 549,000 |
| Noninterest expense | 1,091,000 | 2,087,000 | 3,471,000 | 4,610,000 |
| Provision for loan losses | 23,000 | 71,000 | 119,000 | 119,000 |
| Pretax income | 756,000 | 1,643,000 | 1,481,000 | 1,667,000 |
| Income tax | 184,000 | 402,000 | 349,000 | 383,000 |
| Net income | 572,000 | 1,241,000 | 1,132,000 | 1,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,524,000 | 15,943,000 | 15,835,000 | 15,561,000 |
| Total capital | 16,490,000 | 16,956,000 | 16,886,000 | 16,606,000 |
| Risk-weighted assets | 84,493,000 | 88,090,000 | 90,017,000 | 95,870,000 |