Call reports 2024
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2024
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 239,678,000 | 249,502,000 | 255,099,000 | 254,444,000 |
| Total loans | 199,445,000 | 208,929,000 | 218,617,000 | 222,494,000 |
| Allowance for loan losses | 2,645,000 | 2,689,000 | 2,741,000 | 2,804,000 |
| Securities available for sale | 17,608,000 | 17,101,000 | 19,369,000 | 19,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,527,000 | 216,571,000 | 220,520,000 | 217,608,000 |
| Interest-bearing deposits | 145,221,000 | 153,670,000 | 154,297,000 | 155,559,000 |
| Noninterest-bearing deposits | 62,306,000 | 62,901,000 | 66,223,000 | 62,049,000 |
| Equity capital | 25,457,000 | 26,431,000 | 27,960,000 | 28,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,579,000 | 7,404,000 | 11,535,000 | 15,768,000 |
| Interest expense | 1,185,000 | 2,461,000 | 3,848,000 | 5,258,000 |
| Net interest income | 2,394,000 | 4,943,000 | 7,687,000 | 10,510,000 |
| Noninterest income | 387,000 | 773,000 | 1,184,000 | 1,594,000 |
| Noninterest expense | 1,558,000 | 3,258,000 | 4,885,000 | 6,726,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 310,000 |
| Pretax income | 1,163,000 | 2,338,000 | 3,806,000 | 5,068,000 |
| Income tax | 293,000 | 568,000 | 941,000 | 1,258,000 |
| Net income | 870,000 | 1,770,000 | 2,865,000 | 3,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,895,000 | 27,794,000 | 28,890,000 | 29,834,000 |
| Total capital | 29,145,000 | 30,153,000 | 31,342,000 | 32,308,000 |
| Risk-weighted assets | 179,626,000 | 188,422,000 | 195,870,000 | 197,654,000 |