Call reports 2011
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2011
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 136,220,000 | 135,956,000 | 137,539,000 | 136,820,000 |
| Total loans | 105,738,000 | 107,689,000 | 109,459,000 | 110,323,000 |
| Allowance for loan losses | 2,333,000 | 2,242,000 | 2,195,000 | 2,457,000 |
| Securities available for sale | 13,761,000 | 13,113,000 | 14,039,000 | 14,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,801,000 | 114,156,000 | 115,180,000 | 114,477,000 |
| Interest-bearing deposits | 105,467,000 | 105,100,000 | 105,137,000 | 104,195,000 |
| Noninterest-bearing deposits | 9,334,000 | 9,056,000 | 10,043,000 | 10,282,000 |
| Equity capital | 12,818,000 | 13,269,000 | 13,752,000 | 13,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,842,000 | 3,690,000 | 5,532,000 | 7,346,000 |
| Interest expense | 566,000 | 1,126,000 | 1,662,000 | 2,169,000 |
| Net interest income | 1,276,000 | 2,564,000 | 3,870,000 | 5,177,000 |
| Noninterest income | 190,000 | 332,000 | 535,000 | 689,000 |
| Noninterest expense | 984,000 | 1,975,000 | 2,885,000 | 3,962,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 460,000 |
| Pretax income | 422,000 | 801,000 | 1,340,000 | 1,444,000 |
| Income tax | 136,000 | 261,000 | 437,000 | 474,000 |
| Net income | 286,000 | 540,000 | 903,000 | 970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,932,000 | 13,186,000 | 13,550,000 | 13,616,000 |
| Total capital | 14,199,000 | 14,458,000 | 14,458,000 | 14,916,000 |
| Risk-weighted assets | 100,292,000 | 100,825,000 | 101,663,000 | 102,876,000 |