Call reports 2016
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2016
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 139,154,000 | 139,782,000 | 136,934,000 | 137,178,000 |
| Total loans | 109,604,000 | 109,493,000 | 111,400,000 | 111,610,000 |
| Allowance for loan losses | 1,623,000 | 1,658,000 | 1,668,000 | 1,650,000 |
| Securities available for sale | 15,766,000 | 18,623,000 | 17,041,000 | 15,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,283,000 | 122,403,000 | 118,350,000 | 119,413,000 |
| Interest-bearing deposits | 100,612,000 | 100,994,000 | 97,670,000 | 98,465,000 |
| Noninterest-bearing deposits | 21,671,000 | 21,409,000 | 20,680,000 | 20,948,000 |
| Equity capital | 16,394,000 | 16,783,000 | 17,152,000 | 17,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,595,000 | 3,183,000 | 4,788,000 | 6,443,000 |
| Interest expense | 213,000 | 423,000 | 625,000 | 825,000 |
| Net interest income | 1,382,000 | 2,760,000 | 4,163,000 | 5,618,000 |
| Noninterest income | 150,000 | 310,000 | 486,000 | 642,000 |
| Noninterest expense | 988,000 | 1,981,000 | 2,975,000 | 4,096,000 |
| Provision for loan losses | 30,000 | 90,000 | 110,000 | 130,000 |
| Pretax income | 525,000 | 1,010,000 | 1,575,000 | 2,045,000 |
| Income tax | 173,000 | 332,000 | 518,000 | 673,000 |
| Net income | 352,000 | 678,000 | 1,057,000 | 1,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,321,000 | 16,646,000 | 17,026,000 | 17,341,000 |
| Total capital | 17,614,000 | 17,937,000 | 18,340,000 | 18,650,000 |
| Risk-weighted assets | 103,116,000 | 102,940,000 | 104,734,000 | 104,391,000 |