Call reports 2015
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2015
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 133,934,000 | 133,304,000 | 131,855,000 | 136,142,000 |
| Total loans | 103,268,000 | 104,273,000 | 106,337,000 | 108,903,000 |
| Allowance for loan losses | 2,032,000 | 2,027,000 | 2,081,000 | 1,607,000 |
| Securities available for sale | 17,260,000 | 17,302,000 | 15,777,000 | 15,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,609,000 | 116,609,000 | 114,624,000 | 118,803,000 |
| Interest-bearing deposits | 99,934,000 | 97,569,000 | 96,168,000 | 97,472,000 |
| Noninterest-bearing deposits | 17,675,000 | 19,040,000 | 18,456,000 | 21,331,000 |
| Equity capital | 15,709,000 | 15,970,000 | 16,385,000 | 16,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,572,000 | 3,162,000 | 4,757,000 | 6,351,000 |
| Interest expense | 212,000 | 423,000 | 630,000 | 836,000 |
| Net interest income | 1,360,000 | 2,739,000 | 4,127,000 | 5,515,000 |
| Noninterest income | 165,000 | 333,000 | 518,000 | 657,000 |
| Noninterest expense | 987,000 | 1,950,000 | 2,924,000 | 4,035,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 478,000 | 1,002,000 | 1,541,000 | 1,917,000 |
| Income tax | 158,000 | 331,000 | 512,000 | 636,000 |
| Net income | 320,000 | 671,000 | 1,029,000 | 1,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,608,000 | 15,960,000 | 16,317,000 | 16,569,000 |
| Total capital | 16,842,000 | 17,203,000 | 17,567,000 | 17,850,000 |
| Risk-weighted assets | 98,721,000 | 98,692,000 | 99,175,000 | 102,185,000 |