Call reports 2023
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2023
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 230,974,000 | 222,522,000 | 225,351,000 | 231,294,000 |
| Total loans | 188,341,000 | 193,273,000 | 194,569,000 | 196,639,000 |
| Allowance for loan losses | 2,517,000 | 2,570,000 | 2,568,000 | 2,564,000 |
| Securities available for sale | 21,307,000 | 14,696,000 | 14,950,000 | 17,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,272,000 | 191,401,000 | 194,178,000 | 198,947,000 |
| Interest-bearing deposits | 130,459,000 | 132,318,000 | 135,354,000 | 139,055,000 |
| Noninterest-bearing deposits | 62,813,000 | 59,083,000 | 58,824,000 | 59,892,000 |
| Equity capital | 23,635,000 | 24,336,000 | 24,955,000 | 26,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,780,000 | 5,865,000 | 9,198,000 | 12,645,000 |
| Interest expense | 814,000 | 1,637,000 | 2,606,000 | 3,695,000 |
| Net interest income | 1,966,000 | 4,228,000 | 6,592,000 | 8,950,000 |
| Noninterest income | 349,000 | 703,000 | 1,099,000 | 1,520,000 |
| Noninterest expense | 1,483,000 | 2,992,000 | 4,506,000 | 6,364,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 772,000 | 1,819,000 | 3,005,000 | 3,866,000 |
| Income tax | 191,000 | 451,000 | 745,000 | 964,000 |
| Net income | 581,000 | 1,368,000 | 2,260,000 | 2,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,144,000 | 25,930,000 | 26,824,000 | 27,465,000 |
| Total capital | 27,300,000 | 28,130,000 | 29,031,000 | 29,680,000 |
| Risk-weighted assets | 172,139,000 | 175,636,000 | 176,260,000 | 176,844,000 |