Call reports 2019
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2019
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 263,476,000 | 263,656,000 | 267,053,000 | 272,868,000 |
| Total loans | 182,442,000 | 188,367,000 | 186,180,000 | 182,831,000 |
| Allowance for loan losses | 2,651,000 | 2,641,000 | 2,634,000 | 2,668,000 |
| Securities available for sale | 59,982,000 | 59,219,000 | 59,888,000 | 66,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,891,000 | 207,466,000 | 209,309,000 | 219,846,000 |
| Interest-bearing deposits | 167,755,000 | 165,373,000 | 167,593,000 | 174,771,000 |
| Noninterest-bearing deposits | 43,136,000 | 42,093,000 | 41,716,000 | 45,075,000 |
| Equity capital | 35,681,000 | 37,523,000 | 38,826,000 | 38,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,956,000 | 6,000,000 | 9,101,000 | 12,135,000 |
| Interest expense | 457,000 | 1,112,000 | 1,696,000 | 2,272,000 |
| Net interest income | 2,499,000 | 4,888,000 | 7,405,000 | 9,863,000 |
| Noninterest income | 452,000 | 956,000 | 1,456,000 | 1,967,000 |
| Noninterest expense | 1,637,000 | 3,310,000 | 4,949,000 | 6,597,000 |
| Provision for loan losses | 40,000 | 100,000 | 165,000 | 220,000 |
| Pretax income | 1,279,000 | 2,448,000 | 3,767,000 | 5,099,000 |
| Income tax | 211,000 | 277,000 | 502,000 | 749,000 |
| Net income | 1,068,000 | 2,171,000 | 3,265,000 | 4,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,727,000 | 36,830,000 | 37,923,000 | 37,464,000 |
| Total capital | 38,231,000 | 39,361,000 | 40,354,000 | 39,885,000 |
| Risk-weighted assets | 200,153,000 | 202,397,000 | 194,293,000 | 193,509,000 |