Call reports 2018
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2018
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 249,908,000 | 252,215,000 | 254,635,000 | 262,052,000 |
| Total loans | 171,548,000 | 173,558,000 | 176,226,000 | 181,274,000 |
| Allowance for loan losses | 2,489,000 | 2,521,000 | 2,555,000 | 2,611,000 |
| Securities available for sale | 63,533,000 | 62,927,000 | 62,383,000 | 63,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,766,000 | 195,010,000 | 199,926,000 | 206,278,000 |
| Interest-bearing deposits | 153,802,000 | 156,104,000 | 160,537,000 | 162,551,000 |
| Noninterest-bearing deposits | 46,964,000 | 38,906,000 | 39,389,000 | 43,727,000 |
| Equity capital | 32,350,000 | 33,412,000 | 33,697,000 | 34,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,667,000 | 5,467,000 | 8,362,000 | 11,348,000 |
| Interest expense | 282,000 | 637,000 | 1,043,000 | 1,468,000 |
| Net interest income | 2,385,000 | 4,830,000 | 7,319,000 | 9,880,000 |
| Noninterest income | 444,000 | 885,000 | 1,368,000 | 1,800,000 |
| Noninterest expense | 1,517,000 | 3,036,000 | 4,649,000 | 6,255,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 200,000 |
| Pretax income | 1,279,000 | 2,616,000 | 3,912,000 | 5,214,000 |
| Income tax | 205,000 | 422,000 | 624,000 | 844,000 |
| Net income | 1,074,000 | 2,194,000 | 3,288,000 | 4,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,188,000 | 34,307,000 | 34,992,000 | 34,679,000 |
| Total capital | 35,566,000 | 36,708,000 | 37,417,000 | 37,178,000 |
| Risk-weighted assets | 190,166,000 | 191,950,000 | 193,849,000 | 199,828,000 |