Call reports 2013
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2013
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 213,917,000 | 212,645,000 | 210,803,000 | 211,624,000 |
| Total loans | 125,664,000 | 134,369,000 | 138,223,000 | 137,739,000 |
| Allowance for loan losses | 2,167,000 | 2,175,000 | 2,204,000 | 2,212,000 |
| Securities available for sale | 75,864,000 | 67,095,000 | 60,545,000 | 60,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,822,000 | 173,972,000 | 166,905,000 | 171,764,000 |
| Interest-bearing deposits | 147,029,000 | 139,108,000 | 133,784,000 | 135,916,000 |
| Noninterest-bearing deposits | 34,793,000 | 34,864,000 | 33,121,000 | 35,848,000 |
| Equity capital | 20,980,000 | 20,702,000 | 21,333,000 | 21,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,245,000 | 4,533,000 | 6,859,000 | 9,172,000 |
| Interest expense | 223,000 | 436,000 | 648,000 | 847,000 |
| Net interest income | 2,022,000 | 4,097,000 | 6,211,000 | 8,325,000 |
| Noninterest income | 365,000 | 750,000 | 1,180,000 | 1,617,000 |
| Noninterest expense | 1,273,000 | 2,507,000 | 3,817,000 | 5,224,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,084,000 | 2,309,000 | 3,513,000 | 4,630,000 |
| Income tax | 308,000 | 661,000 | 1,010,000 | 1,334,000 |
| Net income | 776,000 | 1,648,000 | 2,503,000 | 3,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,194,000 | 21,067,000 | 21,921,000 | 22,081,000 |
| Total capital | 21,781,000 | 22,847,000 | 23,627,000 | 23,781,000 |
| Risk-weighted assets | 134,853,000 | 141,968,000 | 143,984,000 | 143,598,000 |