Call reports 2009
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2009
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 135,124,000 | 137,747,000 | 139,365,000 | 142,632,000 |
| Total loans | 116,121,000 | 120,421,000 | 121,631,000 | 117,694,000 |
| Allowance for loan losses | 1,283,000 | 2,107,000 | 2,090,000 | 1,838,000 |
| Securities available for sale | 10,038,000 | 10,421,000 | 10,367,000 | 10,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,764,000 | 113,642,000 | 115,065,000 | 118,232,000 |
| Interest-bearing deposits | 103,717,000 | 104,924,000 | 107,229,000 | 109,079,000 |
| Noninterest-bearing deposits | 7,047,000 | 8,718,000 | 7,836,000 | 9,153,000 |
| Equity capital | 11,626,000 | 10,998,000 | 11,486,000 | 11,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,017,000 | 4,064,000 | 6,149,000 | 8,220,000 |
| Interest expense | 1,001,000 | 1,947,000 | 2,849,000 | 3,686,000 |
| Net interest income | 1,016,000 | 2,117,000 | 3,300,000 | 4,534,000 |
| Noninterest income | 118,000 | 331,000 | 551,000 | 760,000 |
| Noninterest expense | 897,000 | 1,911,000 | 2,876,000 | 3,810,000 |
| Provision for loan losses | 91,000 | 987,000 | 1,009,000 | 1,246,000 |
| Pretax income | 146,000 | -450,000 | -34,000 | 238,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 146,000 | -450,000 | -34,000 | 238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,557,000 | 10,961,000 | 11,377,000 | 11,649,000 |
| Total capital | 12,840,000 | 12,376,000 | 12,815,000 | 13,024,000 |
| Risk-weighted assets | 111,334,000 | 112,449,000 | 114,381,000 | 109,501,000 |