Call reports 2006
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2006
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 61,155,000 | 71,902,000 | 76,137,000 | 79,482,000 |
| Total loans | 49,292,000 | 59,589,000 | 61,676,000 | 63,595,000 |
| Allowance for loan losses | 620,000 | 710,000 | 796,000 | 795,000 |
| Securities available for sale | 9,146,000 | 9,072,000 | 7,722,000 | 7,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,218,000 | 58,368,000 | 65,009,000 | 68,270,000 |
| Interest-bearing deposits | 45,905,000 | 53,315,000 | 59,558,000 | 61,993,000 |
| Noninterest-bearing deposits | 4,313,000 | 5,053,000 | 5,451,000 | 6,277,000 |
| Equity capital | 10,434,000 | 10,387,000 | 10,544,000 | 10,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 2,058,000 | 3,352,000 | 4,687,000 |
| Interest expense | 468,000 | 1,005,000 | 1,692,000 | 2,432,000 |
| Net interest income | 492,000 | 1,053,000 | 1,660,000 | 2,255,000 |
| Noninterest income | 60,000 | 131,000 | 205,000 | 279,000 |
| Noninterest expense | 475,000 | 985,000 | 1,512,000 | 2,095,000 |
| Provision for loan losses | 62,000 | 158,000 | 261,000 | 294,000 |
| Pretax income | 15,000 | 41,000 | 92,000 | 145,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 15,000 | 41,000 | 92,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,538,000 | 10,565,000 | 10,615,000 | 10,669,000 |
| Total capital | 11,154,000 | 11,275,000 | 11,384,000 | 11,464,000 |
| Risk-weighted assets | 49,250,000 | 60,880,000 | 61,504,000 | 64,000,000 |