Call reports 2005
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2005
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 80,691,000 | 83,111,000 | 86,656,000 | 92,441,000 |
| Total loans | 63,450,000 | 66,143,000 | 69,395,000 | 73,875,000 |
| Allowance for loan losses | 1,200,000 | 1,278,000 | 1,324,000 | 1,373,000 |
| Securities available for sale | 11,651,000 | 12,750,000 | 13,077,000 | 12,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,482,000 | 70,462,000 | 73,948,000 | 74,424,000 |
| Interest-bearing deposits | 62,800,000 | 62,561,000 | 65,287,000 | 64,556,000 |
| Noninterest-bearing deposits | 7,682,000 | 7,901,000 | 8,661,000 | 9,869,000 |
| Equity capital | 7,450,000 | 7,721,000 | 7,924,000 | 8,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,151,000 | 2,395,000 | 3,733,000 | 5,178,000 |
| Interest expense | 329,000 | 706,000 | 1,130,000 | 1,599,000 |
| Net interest income | 822,000 | 1,689,000 | 2,603,000 | 3,579,000 |
| Noninterest income | 188,000 | 408,000 | 612,000 | 821,000 |
| Noninterest expense | 660,000 | 1,342,000 | 2,033,000 | 2,780,000 |
| Provision for loan losses | 90,000 | 190,000 | 280,000 | 360,000 |
| Pretax income | 260,000 | 565,000 | 902,000 | 1,260,000 |
| Income tax | 85,000 | 184,000 | 293,000 | 404,000 |
| Net income | 175,000 | 381,000 | 609,000 | 856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,623,000 | 7,829,000 | 8,058,000 | 8,305,000 |
| Total capital | 8,367,000 | 8,607,000 | 8,871,000 | 9,298,000 |
| Risk-weighted assets | 59,270,000 | 61,741,000 | 64,490,000 | 78,935,000 |
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