Call reports 2022
UNITED CITIZENS BANK & TRUST COMPANY — 2022
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 164,575,000 | 163,293,000 | 162,861,000 | 170,162,000 |
| Total loans | 112,754,000 | 111,396,000 | 119,997,000 | 122,212,000 |
| Allowance for loan losses | 1,047,000 | 1,047,000 | 1,042,000 | 1,099,000 |
| Securities available for sale | 26,128,000 | 24,699,000 | 22,016,000 | 26,946,000 |
| Securities held to maturity | 6,089,000 | 7,286,000 | 6,534,000 | 6,534,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,675,000 | 148,998,000 | 149,043,000 | 145,205,000 |
| Interest-bearing deposits | 97,681,000 | 99,455,000 | 98,996,000 | 92,836,000 |
| Noninterest-bearing deposits | 51,995,000 | 49,543,000 | 50,047,000 | 52,369,000 |
| Equity capital | 14,550,000 | 13,954,000 | 13,454,000 | 14,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,332,000 | 2,740,000 | 4,301,000 | 6,085,000 |
| Interest expense | 68,000 | 144,000 | 223,000 | 359,000 |
| Net interest income | 1,264,000 | 2,596,000 | 4,078,000 | 5,726,000 |
| Noninterest income | 144,000 | 301,000 | 475,000 | 654,000 |
| Noninterest expense | 1,088,000 | 2,188,000 | 3,285,000 | 4,453,000 |
| Provision for loan losses | 4,000 | 5,000 | 5,000 | 62,000 |
| Pretax income | 315,000 | 704,000 | 1,246,000 | 1,848,000 |
| Income tax | 68,000 | 156,000 | 284,000 | 438,000 |
| Net income | 247,000 | 548,000 | 962,000 | 1,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,807,000 | 15,883,000 | 16,299,000 | 16,296,000 |
| Total capital | 16,854,000 | 16,930,000 | 17,341,000 | 17,395,000 |
| Risk-weighted assets | 102,554,000 | 101,461,000 | 106,438,000 | 107,493,000 |