Call reports 2010
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2010
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 138,877,000 | 139,736,000 | 141,046,000 | 132,665,000 |
| Total loans | 113,382,000 | 111,907,000 | 110,046,000 | 109,438,000 |
| Allowance for loan losses | 1,806,000 | 1,823,000 | 1,881,000 | 2,312,000 |
| Securities available for sale | 13,411,000 | 12,272,000 | 13,770,000 | 12,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,232,000 | 114,453,000 | 115,303,000 | 110,997,000 |
| Interest-bearing deposits | 106,019,000 | 105,850,000 | 106,055,000 | 101,523,000 |
| Noninterest-bearing deposits | 8,213,000 | 8,603,000 | 9,248,000 | 9,474,000 |
| Equity capital | 12,122,000 | 12,557,000 | 12,844,000 | 12,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,040,000 | 4,035,000 | 5,998,000 | 7,913,000 |
| Interest expense | 763,000 | 1,482,000 | 2,180,000 | 2,814,000 |
| Net interest income | 1,277,000 | 2,553,000 | 3,818,000 | 5,099,000 |
| Noninterest income | 165,000 | 360,000 | 496,000 | 592,000 |
| Noninterest expense | 962,000 | 1,914,000 | 2,873,000 | 3,872,000 |
| Provision for loan losses | 57,000 | 87,000 | 152,000 | 602,000 |
| Pretax income | 423,000 | 912,000 | 1,289,000 | 1,217,000 |
| Income tax | 0 | 99,000 | 222,000 | 189,000 |
| Net income | 423,000 | 813,000 | 1,067,000 | 1,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,072,000 | 12,461,000 | 12,715,000 | 12,646,000 |
| Total capital | 13,436,000 | 13,813,000 | 14,047,000 | 13,939,000 |
| Risk-weighted assets | 108,644,000 | 107,655,000 | 106,012,000 | 102,478,000 |