Call reports 2015
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2015
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 222,517,000 | 220,655,000 | 226,426,000 | 226,627,000 |
| Total loans | 143,915,000 | 145,653,000 | 147,942,000 | 151,083,000 |
| Allowance for loan losses | 2,320,000 | 2,351,000 | 2,358,000 | 2,380,000 |
| Securities available for sale | 61,923,000 | 62,006,000 | 64,479,000 | 61,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,048,000 | 173,672,000 | 173,032,000 | 183,116,000 |
| Interest-bearing deposits | 143,290,000 | 137,017,000 | 135,082,000 | 134,221,000 |
| Noninterest-bearing deposits | 37,758,000 | 36,655,000 | 37,950,000 | 48,895,000 |
| Equity capital | 26,068,000 | 26,480,000 | 27,635,000 | 27,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,301,000 | 4,622,000 | 6,993,000 | 9,377,000 |
| Interest expense | 175,000 | 347,000 | 521,000 | 693,000 |
| Net interest income | 2,126,000 | 4,275,000 | 6,472,000 | 8,684,000 |
| Noninterest income | 388,000 | 789,000 | 1,202,000 | 1,601,000 |
| Noninterest expense | 1,304,000 | 2,636,000 | 4,026,000 | 5,320,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,183,000 | 2,369,000 | 3,578,000 | 4,822,000 |
| Income tax | 324,000 | 647,000 | 973,000 | 1,308,000 |
| Net income | 859,000 | 1,722,000 | 2,605,000 | 3,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,606,000 | 26,455,000 | 27,327,000 | 27,521,000 |
| Total capital | 27,522,000 | 28,396,000 | 29,332,000 | 29,564,000 |
| Risk-weighted assets | 152,908,000 | 154,836,000 | 159,922,000 | 163,124,000 |