Call reports 2006
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2006
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 91,981,000 | 95,037,000 | 97,651,000 | 99,161,000 |
| Total loans | 73,966,000 | 76,206,000 | 78,487,000 | 80,390,000 |
| Allowance for loan losses | 1,419,000 | 1,462,000 | 1,490,000 | 1,503,000 |
| Securities available for sale | 13,578,000 | 13,932,000 | 13,863,000 | 13,271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,531,000 | 80,634,000 | 81,093,000 | 82,757,000 |
| Interest-bearing deposits | 55,830,000 | 70,658,000 | 70,980,000 | 71,649,000 |
| Noninterest-bearing deposits | 20,701,000 | 9,976,000 | 10,113,000 | 11,108,000 |
| Equity capital | 8,358,000 | 8,594,000 | 8,990,000 | 9,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,484,000 | 3,074,000 | 4,776,000 | 6,552,000 |
| Interest expense | 509,000 | 1,095,000 | 1,795,000 | 2,538,000 |
| Net interest income | 975,000 | 1,979,000 | 2,981,000 | 4,014,000 |
| Noninterest income | 215,000 | 445,000 | 686,000 | 940,000 |
| Noninterest expense | 745,000 | 1,488,000 | 2,288,000 | 3,093,000 |
| Provision for loan losses | 75,000 | 120,000 | 170,000 | 195,000 |
| Pretax income | 370,000 | 816,000 | 1,209,000 | 1,666,000 |
| Income tax | 110,000 | 252,000 | 373,000 | 512,000 |
| Net income | 260,000 | 564,000 | 836,000 | 1,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,564,000 | 8,868,000 | 9,140,000 | 9,227,000 |
| Total capital | 9,559,000 | 9,897,000 | 10,189,000 | 10,161,000 |
| Risk-weighted assets | 79,148,000 | 81,901,000 | 83,760,000 | 74,143,000 |
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