Call reports 2014
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2014
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 134,789,000 | 134,128,000 | 131,311,000 | 132,049,000 |
| Total loans | 104,104,000 | 104,542,000 | 103,848,000 | 104,142,000 |
| Allowance for loan losses | 2,040,000 | 1,954,000 | 1,960,000 | 1,974,000 |
| Securities available for sale | 16,015,000 | 16,164,000 | 16,064,000 | 15,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,304,000 | 117,995,000 | 115,004,000 | 115,470,000 |
| Interest-bearing deposits | 103,850,000 | 101,171,000 | 99,035,000 | 97,452,000 |
| Noninterest-bearing deposits | 15,454,000 | 16,824,000 | 15,969,000 | 18,018,000 |
| Equity capital | 14,816,000 | 15,208,000 | 15,477,000 | 15,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,595,000 | 3,198,000 | 4,800,000 | 6,396,000 |
| Interest expense | 263,000 | 489,000 | 710,000 | 930,000 |
| Net interest income | 1,332,000 | 2,709,000 | 4,090,000 | 5,466,000 |
| Noninterest income | 169,000 | 356,000 | 506,000 | 664,000 |
| Noninterest expense | 1,004,000 | 2,058,000 | 3,078,000 | 4,197,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 437,000 | 887,000 | 1,338,000 | 1,693,000 |
| Income tax | 144,000 | 292,000 | 441,000 | 559,000 |
| Net income | 293,000 | 595,000 | 897,000 | 1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,926,000 | 15,229,000 | 15,531,000 | 15,768,000 |
| Total capital | 16,176,000 | 16,479,000 | 16,771,000 | 17,012,000 |
| Risk-weighted assets | 99,193,000 | 99,284,000 | 98,540,000 | 98,804,000 |