Call reports 2023
UNITED CITIZENS BANK & TRUST COMPANY — 2023
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 172,502,000 | 177,131,000 | 182,338,000 | 195,327,000 |
| Total loans | 127,343,000 | 133,719,000 | 138,068,000 | 143,073,000 |
| Allowance for loan losses | 1,220,000 | 1,230,000 | 1,255,000 | 1,318,000 |
| Securities available for sale | 22,431,000 | 21,908,000 | 21,113,000 | 34,641,000 |
| Securities held to maturity | 5,784,000 | 5,681,000 | 3,433,000 | 3,432,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,417,000 | 156,886,000 | 166,176,000 | 175,680,000 |
| Interest-bearing deposits | 99,149,000 | 104,612,000 | 115,749,000 | 125,831,000 |
| Noninterest-bearing deposits | 50,268,000 | 52,274,000 | 50,427,000 | 49,849,000 |
| Equity capital | 14,472,000 | 14,634,000 | 15,267,000 | 16,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,867,000 | 3,944,000 | 6,471,000 | 9,004,000 |
| Interest expense | 270,000 | 621,000 | 1,080,000 | 1,669,000 |
| Net interest income | 1,597,000 | 3,323,000 | 5,391,000 | 7,335,000 |
| Noninterest income | 172,000 | 350,000 | 544,000 | 737,000 |
| Noninterest expense | 1,162,000 | 2,343,000 | 3,600,000 | 4,821,000 |
| Provision for loan losses | 5,000 | 49,000 | 81,000 | 145,000 |
| Pretax income | 602,000 | 1,277,000 | 2,227,000 | 3,079,000 |
| Income tax | 150,000 | 307,000 | 338,000 | 539,000 |
| Net income | 452,000 | 970,000 | 1,889,000 | 2,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,484,000 | 16,776,000 | 17,762,000 | 17,943,000 |