Call reports 2011
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2011
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 165,471,000 | 166,184,000 | 179,128,000 | 185,190,000 |
| Total loans | 116,962,000 | 117,530,000 | 117,572,000 | 120,754,000 |
| Allowance for loan losses | 1,969,000 | 1,791,000 | 1,793,000 | 1,853,000 |
| Securities available for sale | 35,988,000 | 34,475,000 | 44,613,000 | 48,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,759,000 | 134,699,000 | 146,493,000 | 152,824,000 |
| Interest-bearing deposits | 110,893,000 | 111,725,000 | 120,882,000 | 123,519,000 |
| Noninterest-bearing deposits | 23,866,000 | 22,974,000 | 25,611,000 | 29,305,000 |
| Equity capital | 15,693,000 | 16,627,000 | 17,616,000 | 17,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,060,000 | 4,194,000 | 6,358,000 | 8,557,000 |
| Interest expense | 348,000 | 688,000 | 1,040,000 | 1,375,000 |
| Net interest income | 1,712,000 | 3,506,000 | 5,318,000 | 7,182,000 |
| Noninterest income | 319,000 | 681,000 | 1,058,000 | 1,326,000 |
| Noninterest expense | 1,012,000 | 2,063,000 | 3,149,000 | 4,353,000 |
| Provision for loan losses | 90,000 | 200,000 | 320,000 | 440,000 |
| Pretax income | 929,000 | 1,924,000 | 2,907,000 | 3,745,000 |
| Income tax | 278,000 | 575,000 | 862,000 | 1,107,000 |
| Net income | 651,000 | 1,349,000 | 2,045,000 | 2,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,512,000 | 16,210,000 | 16,905,000 | 16,981,000 |
| Total capital | 16,931,000 | 17,631,000 | 18,363,000 | 18,498,000 |
| Risk-weighted assets | 113,128,000 | 113,372,000 | 116,411,000 | 121,809,000 |
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