Call reports 2012
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2012
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 202,817,000 | 198,202,000 | 202,352,000 | 208,419,000 |
| Total loans | 118,957,000 | 126,986,000 | 128,312,000 | 127,046,000 |
| Allowance for loan losses | 1,938,000 | 2,034,000 | 2,096,000 | 2,136,000 |
| Securities available for sale | 63,905,000 | 57,670,000 | 56,255,000 | 61,951,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,189,000 | 163,050,000 | 170,182,000 | 176,787,000 |
| Interest-bearing deposits | 138,001,000 | 135,116,000 | 140,337,000 | 141,765,000 |
| Noninterest-bearing deposits | 32,188,000 | 27,934,000 | 29,845,000 | 35,022,000 |
| Equity capital | 18,281,000 | 19,498,000 | 20,508,000 | 20,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,234,000 | 4,520,000 | 6,843,000 | 9,116,000 |
| Interest expense | 335,000 | 661,000 | 965,000 | 1,229,000 |
| Net interest income | 1,899,000 | 3,859,000 | 5,878,000 | 7,887,000 |
| Noninterest income | 354,000 | 726,000 | 1,118,000 | 1,474,000 |
| Noninterest expense | 1,102,000 | 2,197,000 | 3,371,000 | 4,885,000 |
| Provision for loan losses | 100,000 | 190,000 | 270,000 | 310,000 |
| Pretax income | 1,051,000 | 2,198,000 | 3,374,000 | 4,185,000 |
| Income tax | 297,000 | 610,000 | 928,000 | 1,094,000 |
| Net income | 754,000 | 1,588,000 | 2,446,000 | 3,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,734,000 | 18,568,000 | 19,426,000 | 19,419,000 |
| Total capital | 19,281,000 | 20,224,000 | 21,103,000 | 21,102,000 |
| Risk-weighted assets | 125,662,000 | 131,945,000 | 133,813,000 | 134,286,000 |