Call reports 2018
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2018
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 152,290,000 | 152,446,000 | 156,109,000 | 159,813,000 |
| Total loans | 126,583,000 | 128,256,000 | 132,526,000 | 137,380,000 |
| Allowance for loan losses | 1,868,000 | 1,860,000 | 1,803,000 | 1,866,000 |
| Securities available for sale | 13,822,000 | 13,389,000 | 12,931,000 | 12,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,945,000 | 131,550,000 | 134,457,000 | 135,403,000 |
| Interest-bearing deposits | 106,869,000 | 107,428,000 | 109,752,000 | 112,299,000 |
| Noninterest-bearing deposits | 24,076,000 | 24,122,000 | 24,705,000 | 23,104,000 |
| Equity capital | 17,529,000 | 18,140,000 | 18,745,000 | 19,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,643,000 | 5,589,000 | 7,617,000 |
| Interest expense | 263,000 | 558,000 | 889,000 | 1,276,000 |
| Net interest income | 1,532,000 | 3,085,000 | 4,700,000 | 6,341,000 |
| Noninterest income | 255,000 | 519,000 | 785,000 | 1,058,000 |
| Noninterest expense | 1,026,000 | 2,004,000 | 3,014,000 | 4,215,000 |
| Provision for loan losses | 60,000 | 100,000 | 160,000 | 210,000 |
| Pretax income | 701,000 | 1,500,000 | 2,311,000 | 2,974,000 |
| Income tax | 145,000 | 312,000 | 478,000 | 620,000 |
| Net income | 556,000 | 1,188,000 | 1,833,000 | 2,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,857,000 | 18,489,000 | 19,133,000 | 19,655,000 |
| Total capital | 19,334,000 | 19,989,000 | 20,674,000 | 21,242,000 |
| Risk-weighted assets | 117,803,000 | 119,635,000 | 122,880,000 | 126,650,000 |