Call reports 2017
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2017
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 139,509,000 | 145,096,000 | 147,204,000 | 148,822,000 |
| Total loans | 113,319,000 | 119,423,000 | 122,111,000 | 125,663,000 |
| Allowance for loan losses | 1,706,000 | 1,746,000 | 1,785,000 | 1,807,000 |
| Securities available for sale | 15,887,000 | 15,475,000 | 13,911,000 | 13,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,906,000 | 122,007,000 | 124,423,000 | 125,968,000 |
| Interest-bearing deposits | 99,769,000 | 100,621,000 | 102,097,000 | 102,587,000 |
| Noninterest-bearing deposits | 22,137,000 | 21,386,000 | 22,326,000 | 23,381,000 |
| Equity capital | 16,911,000 | 17,414,000 | 17,889,000 | 17,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,668,000 | 3,338,000 | 5,094,000 | 6,885,000 |
| Interest expense | 196,000 | 404,000 | 643,000 | 892,000 |
| Net interest income | 1,472,000 | 2,934,000 | 4,451,000 | 5,993,000 |
| Noninterest income | 147,000 | 333,000 | 594,000 | 816,000 |
| Noninterest expense | 955,000 | 1,947,000 | 2,936,000 | 4,106,000 |
| Provision for loan losses | 40,000 | 80,000 | 140,000 | 170,000 |
| Pretax income | 624,000 | 1,240,000 | 1,985,000 | 2,549,000 |
| Income tax | 213,000 | 410,000 | 659,000 | 981,000 |
| Net income | 411,000 | 830,000 | 1,326,000 | 1,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,031,000 | 17,451,000 | 17,946,000 | 18,189,000 |
| Total capital | 18,363,000 | 18,843,000 | 19,378,000 | 19,634,000 |
| Risk-weighted assets | 106,183,000 | 110,966,000 | 114,214,000 | 115,263,000 |