Call reports 2025
UNITED CITIZENS BANK & TRUST COMPANY — 2025
What UNITED CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 210,695,000 | 210,331,000 | 212,952,000 | 219,799,000 |
| Total loans | 168,682,000 | 169,951,000 | 171,378,000 | 178,481,000 |
| Allowance for loan losses | 1,547,000 | 1,614,000 | 1,650,000 | 1,658,000 |
| Securities available for sale | 21,996,000 | 21,216,000 | 21,234,000 | 21,106,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,432,000 | 188,839,000 | 190,212,000 | 193,583,000 |
| Interest-bearing deposits | 133,215,000 | 132,498,000 | 133,971,000 | 135,406,000 |
| Noninterest-bearing deposits | 54,217,000 | 56,341,000 | 56,241,000 | 58,177,000 |
| Equity capital | 18,429,000 | 18,811,000 | 19,810,000 | 20,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,870,000 | 5,822,000 | 8,823,000 | 11,916,000 |
| Interest expense | 746,000 | 1,500,000 | 2,254,000 | 2,982,000 |
| Net interest income | 2,124,000 | 4,322,000 | 6,569,000 | 8,934,000 |
| Noninterest income | 175,000 | 357,000 | 534,000 | 695,000 |
| Noninterest expense | 1,546,000 | 3,067,000 | 4,611,000 | 6,300,000 |
| Provision for loan losses | 106,000 | 174,000 | 219,000 | 234,000 |
| Pretax income | 634,000 | 1,401,000 | 2,236,000 | 3,058,000 |
| Income tax | 151,000 | 334,000 | 533,000 | 692,000 |
| Net income | 483,000 | 1,067,000 | 1,703,000 | 2,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,063,000 | 20,397,000 | 21,034,000 | 21,221,000 |