Call reports 2009
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2009
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 126,793,000 | 130,189,000 | 131,807,000 | 136,890,000 |
| Total loans | 97,199,000 | 102,619,000 | 104,768,000 | 107,446,000 |
| Allowance for loan losses | 1,736,000 | 1,763,000 | 1,793,000 | 1,816,000 |
| Securities available for sale | 16,421,000 | 18,866,000 | 15,513,000 | 18,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,316,000 | 101,157,000 | 99,267,000 | 106,664,000 |
| Interest-bearing deposits | 83,583,000 | 82,276,000 | 81,200,000 | 85,371,000 |
| Noninterest-bearing deposits | 17,733,000 | 18,881,000 | 18,067,000 | 21,293,000 |
| Equity capital | 12,074,000 | 12,594,000 | 13,188,000 | 13,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,842,000 | 3,719,000 | 5,638,000 | 7,572,000 |
| Interest expense | 488,000 | 960,000 | 1,409,000 | 1,833,000 |
| Net interest income | 1,354,000 | 2,759,000 | 4,229,000 | 5,739,000 |
| Noninterest income | 294,000 | 601,000 | 923,000 | 1,233,000 |
| Noninterest expense | 939,000 | 1,915,000 | 2,948,000 | 4,078,000 |
| Provision for loan losses | 36,000 | 84,000 | 132,000 | 193,000 |
| Pretax income | 673,000 | 1,361,000 | 2,099,000 | 2,728,000 |
| Income tax | 198,000 | 404,000 | 624,000 | 806,000 |
| Net income | 475,000 | 957,000 | 1,475,000 | 1,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,004,000 | 12,487,000 | 13,004,000 | 13,073,000 |
| Total capital | 13,156,000 | 13,698,000 | 14,239,000 | 14,347,000 |
| Risk-weighted assets | 91,593,000 | 96,224,000 | 98,467,000 | 101,657,000 |
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