Call reports 2020
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2020
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 173,324,000 | 177,588,000 | 171,136,000 | 171,854,000 |
| Total loans | 146,169,000 | 145,257,000 | 145,062,000 | 148,398,000 |
| Allowance for loan losses | 1,905,000 | 2,017,000 | 2,068,000 | 2,110,000 |
| Securities available for sale | 12,164,000 | 11,565,000 | 11,366,000 | 10,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,083,000 | 155,049,000 | 148,159,000 | 147,951,000 |
| Interest-bearing deposits | 119,035,000 | 116,417,000 | 109,237,000 | 108,228,000 |
| Noninterest-bearing deposits | 30,048,000 | 38,632,000 | 38,922,000 | 39,723,000 |
| Equity capital | 20,811,000 | 21,618,000 | 22,320,000 | 23,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,232,000 | 4,428,000 | 6,567,000 | 8,683,000 |
| Interest expense | 502,000 | 937,000 | 1,281,000 | 1,553,000 |
| Net interest income | 1,730,000 | 3,491,000 | 5,286,000 | 7,130,000 |
| Noninterest income | 323,000 | 696,000 | 1,081,000 | 1,768,000 |
| Noninterest expense | 1,111,000 | 2,277,000 | 3,480,000 | 4,884,000 |
| Provision for loan losses | 50,000 | 110,000 | 170,000 | 230,000 |
| Pretax income | 892,000 | 1,800,000 | 2,717,000 | 3,784,000 |
| Income tax | 183,000 | 373,000 | 569,000 | 805,000 |
| Net income | 709,000 | 1,427,000 | 2,148,000 | 2,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,676,000 | 21,394,000 | 22,115,000 | 22,946,000 |
| Total capital | 22,363,000 | 23,088,000 | 23,815,000 | 24,677,000 |
| Risk-weighted assets | 134,708,000 | 135,186,000 | 135,663,000 | 138,107,000 |