Call reports 2021
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2021
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 181,911,000 | 190,654,000 | 192,396,000 | 188,103,000 |
| Total loans | 150,238,000 | 153,800,000 | 152,327,000 | 159,673,000 |
| Allowance for loan losses | 2,135,000 | 2,218,000 | 2,278,000 | 2,335,000 |
| Securities available for sale | 10,415,000 | 14,615,000 | 18,643,000 | 17,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,991,000 | 166,083,000 | 167,074,000 | 162,290,000 |
| Interest-bearing deposits | 109,831,000 | 116,544,000 | 117,446,000 | 110,980,000 |
| Noninterest-bearing deposits | 48,160,000 | 49,539,000 | 49,628,000 | 51,310,000 |
| Equity capital | 23,049,000 | 24,029,000 | 24,799,000 | 25,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,903,000 | 5,307,000 | 7,444,000 | 9,602,000 |
| Interest expense | 210,000 | 397,000 | 576,000 | 736,000 |
| Net interest income | 2,693,000 | 4,910,000 | 6,868,000 | 8,866,000 |
| Noninterest income | 435,000 | 809,000 | 1,201,000 | 1,590,000 |
| Noninterest expense | 1,163,000 | 2,358,000 | 3,597,000 | 5,053,000 |
| Provision for loan losses | 60,000 | 100,000 | 160,000 | 220,000 |
| Pretax income | 1,905,000 | 3,261,000 | 4,312,000 | 5,183,000 |
| Income tax | 476,000 | 812,000 | 1,073,000 | 1,288,000 |
| Net income | 1,429,000 | 2,449,000 | 3,239,000 | 3,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,935,000 | 23,954,000 | 24,744,000 | 25,401,000 |
| Total capital | 24,712,000 | 25,777,000 | 26,561,000 | 27,250,000 |
| Risk-weighted assets | 141,794,000 | 145,423,000 | 144,908,000 | 147,412,000 |