Call reports 2024
UNITED CITIZENS BANK & TRUST COMPANY — 2024
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 199,968,000 | 204,554,000 | 204,085,000 | 206,765,000 |
| Total loans | 148,774,000 | 153,066,000 | 157,562,000 | 163,342,000 |
| Allowance for loan losses | 1,375,000 | 1,412,000 | 1,420,000 | 1,445,000 |
| Securities available for sale | 21,321,000 | 20,865,000 | 21,190,000 | 25,349,000 |
| Securities held to maturity | 2,681,000 | 2,681,000 | 2,681,000 | 2,180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,647,000 | 186,976,000 | 185,399,000 | 182,251,000 |
| Interest-bearing deposits | 134,996,000 | 133,288,000 | 130,570,000 | 127,879,000 |
| Noninterest-bearing deposits | 47,651,000 | 53,688,000 | 54,829,000 | 54,372,000 |
| Equity capital | 16,478,000 | 16,872,000 | 17,944,000 | 17,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,610,000 | 5,355,000 | 8,174,000 | 11,110,000 |
| Interest expense | 749,000 | 1,546,000 | 2,360,000 | 3,150,000 |
| Net interest income | 1,861,000 | 3,809,000 | 5,814,000 | 7,960,000 |
| Noninterest income | 167,000 | 474,000 | 665,000 | 841,000 |
| Noninterest expense | 1,405,000 | 2,754,000 | 4,155,000 | 5,521,000 |
| Provision for loan losses | 62,000 | 109,000 | 131,000 | 162,000 |
| Pretax income | 561,000 | 1,420,000 | 2,193,000 | 3,111,000 |
| Income tax | 161,000 | 354,000 | 526,000 | 749,000 |
| Net income | 400,000 | 1,066,000 | 1,667,000 | 2,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,344,000 | 18,760,000 | 19,360,000 | 19,580,000 |