Call reports 2012
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2012
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 141,226,000 | 142,769,000 | 139,662,000 | 140,514,000 |
| Total loans | 111,470,000 | 111,135,000 | 112,280,000 | 108,579,000 |
| Allowance for loan losses | 2,506,000 | 2,483,000 | 2,347,000 | 2,060,000 |
| Securities available for sale | 16,775,000 | 16,624,000 | 17,246,000 | 17,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,586,000 | 119,709,000 | 119,216,000 | 120,207,000 |
| Interest-bearing deposits | 106,756,000 | 106,594,000 | 105,484,000 | 105,890,000 |
| Noninterest-bearing deposits | 11,830,000 | 13,115,000 | 13,732,000 | 14,317,000 |
| Equity capital | 13,829,000 | 14,181,000 | 14,498,000 | 14,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,822,000 | 3,597,000 | 5,399,000 | 7,178,000 |
| Interest expense | 483,000 | 947,000 | 1,378,000 | 1,768,000 |
| Net interest income | 1,339,000 | 2,650,000 | 4,021,000 | 5,410,000 |
| Noninterest income | 173,000 | 378,000 | 568,000 | 688,000 |
| Noninterest expense | 993,000 | 2,065,000 | 3,050,000 | 4,124,000 |
| Provision for loan losses | 60,000 | 120,000 | 293,000 | 899,000 |
| Pretax income | 459,000 | 843,000 | 1,246,000 | 1,075,000 |
| Income tax | 148,000 | 270,000 | 403,000 | 325,000 |
| Net income | 311,000 | 573,000 | 843,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,687,000 | 13,949,000 | 14,220,000 | 14,125,000 |
| Total capital | 15,009,000 | 15,290,000 | 15,553,000 | 15,435,000 |
| Risk-weighted assets | 104,595,000 | 106,174,000 | 105,614,000 | 104,071,000 |