Call reports 2019
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2019
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 161,046,000 | 165,282,000 | 171,524,000 | 173,738,000 |
| Total loans | 137,991,000 | 141,115,000 | 144,802,000 | 146,001,000 |
| Allowance for loan losses | 1,883,000 | 1,931,000 | 1,992,000 | 1,969,000 |
| Securities available for sale | 12,632,000 | 12,904,000 | 12,446,000 | 12,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,927,000 | 140,930,000 | 146,218,000 | 147,972,000 |
| Interest-bearing deposits | 115,228,000 | 116,034,000 | 120,988,000 | 120,560,000 |
| Noninterest-bearing deposits | 23,699,000 | 24,896,000 | 25,230,000 | 27,412,000 |
| Equity capital | 19,220,000 | 19,945,000 | 20,597,000 | 21,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,033,000 | 4,116,000 | 6,298,000 | 8,534,000 |
| Interest expense | 444,000 | 910,000 | 1,414,000 | 1,940,000 |
| Net interest income | 1,589,000 | 3,206,000 | 4,884,000 | 6,594,000 |
| Noninterest income | 265,000 | 560,000 | 885,000 | 1,168,000 |
| Noninterest expense | 1,036,000 | 2,124,000 | 3,265,000 | 4,583,000 |
| Provision for loan losses | 40,000 | 90,000 | 150,000 | 210,000 |
| Pretax income | 778,000 | 1,552,000 | 2,354,000 | 2,969,000 |
| Income tax | 99,000 | 261,000 | 428,000 | 545,000 |
| Net income | 679,000 | 1,291,000 | 1,926,000 | 2,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,326,000 | 19,938,000 | 20,573,000 | 21,071,000 |
| Total capital | 20,921,000 | 21,562,000 | 22,250,000 | 22,765,000 |
| Risk-weighted assets | 127,272,000 | 129,609,000 | 133,843,000 | 135,226,000 |