Call reports 2016
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2016
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 232,995,000 | 238,836,000 | 240,223,000 | 240,082,000 |
| Total loans | 151,213,000 | 155,990,000 | 158,224,000 | 158,071,000 |
| Allowance for loan losses | 2,402,000 | 2,411,000 | 2,421,000 | 2,434,000 |
| Securities available for sale | 66,338,000 | 67,883,000 | 66,577,000 | 66,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,775,000 | 182,011,000 | 181,616,000 | 189,203,000 |
| Interest-bearing deposits | 142,649,000 | 140,751,000 | 140,340,000 | 142,089,000 |
| Noninterest-bearing deposits | 45,126,000 | 41,260,000 | 41,276,000 | 47,114,000 |
| Equity capital | 28,971,000 | 30,313,000 | 30,952,000 | 29,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,424,000 | 4,882,000 | 7,381,000 | 9,890,000 |
| Interest expense | 178,000 | 364,000 | 564,000 | 757,000 |
| Net interest income | 2,246,000 | 4,518,000 | 6,817,000 | 9,133,000 |
| Noninterest income | 375,000 | 772,000 | 1,192,000 | 1,620,000 |
| Noninterest expense | 1,403,000 | 2,812,000 | 4,269,000 | 5,770,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,192,000 | 2,423,000 | 3,660,000 | 4,873,000 |
| Income tax | 312,000 | 633,000 | 955,000 | 1,269,000 |
| Net income | 880,000 | 1,790,000 | 2,705,000 | 3,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,393,000 | 29,288,000 | 30,177,000 | 30,175,000 |
| Total capital | 30,456,000 | 31,408,000 | 32,327,000 | 32,324,000 |
| Risk-weighted assets | 164,665,000 | 169,319,000 | 171,723,000 | 171,600,000 |