Call reports 2008
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2008
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 120,065,000 | 125,180,000 | 125,952,000 | 136,314,000 |
| Total loans | 97,092,000 | 105,805,000 | 108,346,000 | 116,431,000 |
| Allowance for loan losses | 973,000 | 1,060,000 | 1,127,000 | 1,274,000 |
| Securities available for sale | 9,152,000 | 10,356,000 | 10,340,000 | 9,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,864,000 | 101,079,000 | 101,659,000 | 112,011,000 |
| Interest-bearing deposits | 88,115,000 | 91,811,000 | 93,143,000 | 104,499,000 |
| Noninterest-bearing deposits | 7,749,000 | 9,268,000 | 8,516,000 | 7,512,000 |
| Equity capital | 11,415,000 | 11,282,000 | 11,523,000 | 11,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,985,000 | 3,983,000 | 6,032,000 | 8,047,000 |
| Interest expense | 1,096,000 | 2,187,000 | 3,251,000 | 4,312,000 |
| Net interest income | 889,000 | 1,796,000 | 2,781,000 | 3,735,000 |
| Noninterest income | 112,000 | 237,000 | 381,000 | 537,000 |
| Noninterest expense | 793,000 | 1,683,000 | 2,512,000 | 3,406,000 |
| Provision for loan losses | 90,000 | 175,000 | 280,000 | 657,000 |
| Pretax income | 118,000 | 175,000 | 370,000 | 209,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 118,000 | 175,000 | 370,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,350,000 | 11,407,000 | 11,571,000 | 11,411,000 |
| Total capital | 12,323,000 | 12,467,000 | 12,698,000 | 12,685,000 |
| Risk-weighted assets | 96,835,000 | 104,887,000 | 104,971,000 | 112,672,000 |