Call reports 2025
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2025
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 267,453,000 | 267,314,000 | 268,952,000 | 269,780,000 |
| Total loans | 222,061,000 | 229,471,000 | 232,246,000 | 231,968,000 |
| Allowance for loan losses | 2,848,000 | 2,932,000 | 2,966,000 | 3,049,000 |
| Securities available for sale | 20,023,000 | 19,656,000 | 21,243,000 | 21,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,237,000 | 231,985,000 | 230,868,000 | 231,730,000 |
| Interest-bearing deposits | 171,342,000 | 170,169,000 | 169,845,000 | 171,509,000 |
| Noninterest-bearing deposits | 59,895,000 | 61,816,000 | 61,023,000 | 60,221,000 |
| Equity capital | 28,167,000 | 29,568,000 | 30,969,000 | 32,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,232,000 | 8,628,000 | 13,131,000 | 17,665,000 |
| Interest expense | 1,418,000 | 2,854,000 | 4,268,000 | 5,671,000 |
| Net interest income | 2,814,000 | 5,774,000 | 8,863,000 | 11,994,000 |
| Noninterest income | 398,000 | 841,000 | 1,253,000 | 1,680,000 |
| Noninterest expense | 1,681,000 | 3,284,000 | 4,985,000 | 6,952,000 |
| Provision for loan losses | 80,000 | 195,000 | 315,000 | 520,000 |
| Pretax income | 1,451,000 | 3,136,000 | 4,816,000 | 6,202,000 |
| Income tax | 357,000 | 775,000 | 1,191,000 | 1,535,000 |
| Net income | 1,094,000 | 2,361,000 | 3,625,000 | 4,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,248,000 | 30,517,000 | 31,779,000 | 32,821,000 |
| Total capital | 31,720,000 | 33,040,000 | 34,296,000 | 35,299,000 |
| Risk-weighted assets | 197,380,000 | 201,436,000 | 200,933,000 | 197,675,000 |
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