Call reports 2007
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2007
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 87,520,000 | 92,538,000 | 97,081,000 | 109,027,000 |
| Total loans | 70,147,000 | 75,171,000 | 79,385,000 | 90,785,000 |
| Allowance for loan losses | 862,000 | 868,000 | 873,000 | 939,000 |
| Securities available for sale | 7,708,000 | 7,897,000 | 8,690,000 | 9,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,221,000 | 76,200,000 | 77,164,000 | 85,039,000 |
| Interest-bearing deposits | 65,666,000 | 70,304,000 | 71,179,000 | 78,071,000 |
| Noninterest-bearing deposits | 5,555,000 | 5,896,000 | 5,985,000 | 6,968,000 |
| Equity capital | 10,669,000 | 10,757,000 | 11,050,000 | 11,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,442,000 | 3,040,000 | 4,762,000 | 6,590,000 |
| Interest expense | 795,000 | 1,678,000 | 2,624,000 | 3,616,000 |
| Net interest income | 647,000 | 1,362,000 | 2,138,000 | 2,974,000 |
| Noninterest income | 86,000 | 176,000 | 270,000 | 381,000 |
| Noninterest expense | 622,000 | 1,251,000 | 1,904,000 | 2,596,000 |
| Provision for loan losses | 68,000 | 98,000 | 125,000 | 195,000 |
| Pretax income | 43,000 | 189,000 | 379,000 | 564,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 43,000 | 189,000 | 379,000 | 564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,711,000 | 10,858,000 | 11,047,000 | 11,232,000 |
| Total capital | 11,573,000 | 11,726,000 | 11,920,000 | 12,171,000 |
| Risk-weighted assets | 70,111,000 | 75,317,000 | 78,950,000 | 89,189,000 |