Call reports 2017
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2017
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 240,666,000 | 243,232,000 | 247,189,000 | 247,588,000 |
| Total loans | 158,296,000 | 161,296,000 | 166,966,000 | 166,726,000 |
| Allowance for loan losses | 2,425,000 | 2,421,000 | 2,464,000 | 2,471,000 |
| Securities available for sale | 67,807,000 | 65,658,000 | 64,952,000 | 62,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,332,000 | 185,491,000 | 182,798,000 | 193,519,000 |
| Interest-bearing deposits | 145,223,000 | 142,761,000 | 142,410,000 | 147,485,000 |
| Noninterest-bearing deposits | 45,109,000 | 42,730,000 | 40,388,000 | 46,034,000 |
| Equity capital | 30,882,000 | 32,410,000 | 32,866,000 | 32,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,474,000 | 5,059,000 | 7,686,000 | 10,373,000 |
| Interest expense | 193,000 | 413,000 | 666,000 | 930,000 |
| Net interest income | 2,281,000 | 4,646,000 | 7,020,000 | 9,443,000 |
| Noninterest income | 410,000 | 892,000 | 1,294,000 | 1,695,000 |
| Noninterest expense | 1,452,000 | 2,903,000 | 4,355,000 | 5,897,000 |
| Provision for loan losses | 30,000 | 70,000 | 105,000 | 135,000 |
| Pretax income | 1,209,000 | 2,567,000 | 3,857,000 | 5,065,000 |
| Income tax | 311,000 | 676,000 | 1,017,000 | 1,601,000 |
| Net income | 898,000 | 1,891,000 | 2,840,000 | 3,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,047,000 | 32,036,000 | 32,463,000 | 31,698,000 |
| Total capital | 33,233,000 | 34,282,000 | 34,758,000 | 34,033,000 |
| Risk-weighted assets | 174,603,000 | 179,539,000 | 183,397,000 | 186,682,000 |