Call reports 2007
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2007
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 105,233,000 | 106,850,000 | 108,847,000 | 110,072,000 |
| Total loans | 82,959,000 | 86,163,000 | 86,431,000 | 87,694,000 |
| Allowance for loan losses | 1,537,000 | 1,558,000 | 1,594,000 | 1,618,000 |
| Securities available for sale | 13,740,000 | 15,006,000 | 14,652,000 | 15,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,758,000 | 89,534,000 | 94,142,000 | 93,635,000 |
| Interest-bearing deposits | 79,541,000 | 78,159,000 | 81,835,000 | 80,975,000 |
| Noninterest-bearing deposits | 12,217,000 | 11,375,000 | 12,307,000 | 12,660,000 |
| Equity capital | 9,425,000 | 9,712,000 | 10,205,000 | 10,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,791,000 | 3,689,000 | 5,652,000 | 7,644,000 |
| Interest expense | 762,000 | 1,586,000 | 2,419,000 | 3,251,000 |
| Net interest income | 1,029,000 | 2,103,000 | 3,233,000 | 4,393,000 |
| Noninterest income | 265,000 | 564,000 | 843,000 | 1,147,000 |
| Noninterest expense | 830,000 | 1,674,000 | 2,486,000 | 3,402,000 |
| Provision for loan losses | 40,000 | 70,000 | 125,000 | 165,000 |
| Pretax income | 424,000 | 923,000 | 1,465,000 | 1,973,000 |
| Income tax | 128,000 | 281,000 | 447,000 | 605,000 |
| Net income | 296,000 | 642,000 | 1,018,000 | 1,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,523,000 | 9,870,000 | 10,245,000 | 10,323,000 |
| Total capital | 10,492,000 | 10,869,000 | 11,260,000 | 11,358,000 |
| Risk-weighted assets | 76,954,000 | 79,339,000 | 80,905,000 | 82,363,000 |
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