Call reports 2013
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2013
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 139,548,000 | 140,992,000 | 135,978,000 | 133,669,000 |
| Total loans | 106,510,000 | 107,245,000 | 107,296,000 | 107,858,000 |
| Allowance for loan losses | 2,070,000 | 2,071,000 | 2,109,000 | 1,975,000 |
| Securities available for sale | 18,582,000 | 17,689,000 | 17,041,000 | 16,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,456,000 | 120,823,000 | 115,377,000 | 112,850,000 |
| Interest-bearing deposits | 105,523,000 | 104,585,000 | 100,553,000 | 99,224,000 |
| Noninterest-bearing deposits | 13,933,000 | 16,238,000 | 14,824,000 | 13,626,000 |
| Equity capital | 14,406,000 | 14,360,000 | 14,707,000 | 14,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,693,000 | 3,339,000 | 5,047,000 | 6,712,000 |
| Interest expense | 359,000 | 692,000 | 993,000 | 1,272,000 |
| Net interest income | 1,334,000 | 2,647,000 | 4,054,000 | 5,440,000 |
| Noninterest income | 153,000 | 352,000 | 495,000 | 609,000 |
| Noninterest expense | 982,000 | 1,978,000 | 2,989,000 | 4,110,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 445,000 | 901,000 | 1,380,000 | 1,699,000 |
| Income tax | 145,000 | 302,000 | 463,000 | 568,000 |
| Net income | 300,000 | 599,000 | 917,000 | 1,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,163,000 | 14,462,000 | 14,779,000 | 14,994,000 |
| Total capital | 15,459,000 | 15,759,000 | 16,084,000 | 16,279,000 |
| Risk-weighted assets | 102,954,000 | 102,974,000 | 103,571,000 | 102,161,000 |