Call reports 2022
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2022
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 216,158,000 | 218,580,000 | 224,046,000 | 224,606,000 |
| Total loans | 164,538,000 | 172,693,000 | 178,832,000 | 182,850,000 |
| Allowance for loan losses | 2,358,000 | 2,394,000 | 2,449,000 | 2,471,000 |
| Securities available for sale | 29,213,000 | 29,977,000 | 28,379,000 | 28,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,329,000 | 194,653,000 | 193,885,000 | 184,601,000 |
| Interest-bearing deposits | 133,483,000 | 138,888,000 | 134,316,000 | 127,044,000 |
| Noninterest-bearing deposits | 55,846,000 | 55,765,000 | 59,569,000 | 57,557,000 |
| Equity capital | 23,317,000 | 23,563,000 | 23,726,000 | 24,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,183,000 | 4,568,000 | 7,093,000 | 9,732,000 |
| Interest expense | 149,000 | 336,000 | 567,000 | 1,080,000 |
| Net interest income | 2,034,000 | 4,232,000 | 6,526,000 | 8,652,000 |
| Noninterest income | 330,000 | 655,000 | 975,000 | 1,319,000 |
| Noninterest expense | 1,378,000 | 2,864,000 | 4,318,000 | 6,432,000 |
| Provision for loan losses | 30,000 | 90,000 | 150,000 | 190,000 |
| Pretax income | 956,000 | 1,933,000 | 3,033,000 | 3,349,000 |
| Income tax | 236,000 | 477,000 | 753,000 | 827,000 |
| Net income | 720,000 | 1,456,000 | 2,280,000 | 2,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,201,000 | 24,937,000 | 25,760,000 | 26,003,000 |
| Total capital | 26,160,000 | 26,936,000 | 27,810,000 | 28,093,000 |
| Risk-weighted assets | 156,320,000 | 159,531,000 | 163,637,000 | 166,797,000 |