Vitals
  • Total Assets
    107.2M -0.4 %
  • Total Deposits
    83.8M 2.0 %
  • Total Net Loans
    64.5M 15.0 %
  • Net Income
    775000.0000 14.3 %
  • Book Value
    12.2M -0.6 %
  • Book Value x2
    24.3M -0.6 %
  • Book Value x3
    36.5M -0.6 %
ROAA

.728

ROAE

6.278

Efficiency Ratio

71.533

Net Interest Margin

3.528

Balance Sheet Highlights
Financial Highlights United Citizens Bank & Trust Company All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 107,247 275,102
Total Net Loans 64,547 177,820
Total Deposits 83,791 227,063
Total Equity 12,156 30,287
Profitability
Net Income 775 2,592
Return on Average Assets .728 .944
Return on Average Equity 6.278 8.074
Net Interest Margin 3.528 3.847
Efficiency Ratio 71.533 70.925
Noninterest Income/Revenue 12.983 17.219
Balance Sheet Ratios
Loan-to-Deposit 77.033 76.952
Securities/Assets .161 .219
Total Equity/Total Assets .113 .11
Tangible Equity/Tangible Assets .113 .107
Capital Adequacy
Tier 1 Common Capital 12,394 29,354
Tier 1 Capital 12,394 29,354
Tier 2 Capital 702 2,092
Total Capital 13,096 31,454
Total Risk Weighted Assets 65,631 190,479
Leverage Ratio 11.6 11.285
Common Equity Tier 1 Capital Ratio 18.88 17.115
Tier 1 Capital Ratio 18.88 17.115
Total Capital Ratio 19.95 18.174

Timeline for United Citizens Bank & Trust Company

United Citizens Financial Corporation

United Citizens Financial Corporation became a new parent organization for United Citizens Bank & Trust Company.

View Profile Mar 31 1986

United Farmers Bank

Acquisition: United Citizens Bank & Trust Company acquired a new subsidiary, United Farmers Bank, 48 years

View Profile Nov 01 1975

United Citizens Bank & Trust Company

United Citizens Bank & Trust Company was established 152 years ago and is currently headquartered in Campbellsburg, KY.

Jan 01 1872
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
United Farmers Bank Seller 11,136 Discontinued 11/1/1975
Relationships Role Relationship Start Relationship End
United Citizens Financial Corporation Parent 12/31/1988
United Citizens Financial Corporation Parent 3/31/1986 12/30/1988
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