Call reports 2008
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2008
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 113,188,000 | 114,531,000 | 117,706,000 | 121,328,000 |
| Total loans | 86,368,000 | 90,216,000 | 95,782,000 | 96,864,000 |
| Allowance for loan losses | 1,636,000 | 1,644,000 | 1,678,000 | 1,703,000 |
| Securities available for sale | 15,913,000 | 16,143,000 | 15,250,000 | 16,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,264,000 | 93,147,000 | 93,938,000 | 95,808,000 |
| Interest-bearing deposits | 81,549,000 | 78,958,000 | 78,759,000 | 77,852,000 |
| Noninterest-bearing deposits | 13,715,000 | 14,189,000 | 15,179,000 | 17,956,000 |
| Equity capital | 10,796,000 | 11,096,000 | 11,480,000 | 11,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,923,000 | 3,756,000 | 5,638,000 | 7,537,000 |
| Interest expense | 757,000 | 1,359,000 | 1,937,000 | 2,483,000 |
| Net interest income | 1,166,000 | 2,397,000 | 3,701,000 | 5,054,000 |
| Noninterest income | 283,000 | 575,000 | 862,000 | 1,162,000 |
| Noninterest expense | 862,000 | 1,717,000 | 2,610,000 | 3,678,000 |
| Provision for loan losses | 30,000 | 90,000 | 185,000 | 280,000 |
| Pretax income | 557,000 | 1,165,000 | 1,768,000 | 2,258,000 |
| Income tax | 166,000 | 347,000 | 532,000 | 676,000 |
| Net income | 391,000 | 818,000 | 1,236,000 | 1,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,714,000 | 11,141,000 | 11,560,000 | 11,529,000 |
| Total capital | 11,744,000 | 12,211,000 | 12,693,000 | 12,682,000 |
| Risk-weighted assets | 81,778,000 | 85,061,000 | 90,100,000 | 91,679,000 |
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