Call reports 2020
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2020
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 280,728,000 | 306,967,000 | 316,489,000 | 329,757,000 |
| Total loans | 191,861,000 | 206,379,000 | 205,077,000 | 198,502,000 |
| Allowance for loan losses | 2,727,000 | 2,761,000 | 2,852,000 | 2,925,000 |
| Securities available for sale | 71,391,000 | 83,760,000 | 91,859,000 | 112,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,474,000 | 246,590,000 | 255,283,000 | 270,249,000 |
| Interest-bearing deposits | 180,803,000 | 193,385,000 | 201,686,000 | 209,659,000 |
| Noninterest-bearing deposits | 44,671,000 | 53,205,000 | 53,597,000 | 60,590,000 |
| Equity capital | 37,406,000 | 39,051,000 | 40,335,000 | 40,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,045,000 | 6,084,000 | 9,172,000 | 12,282,000 |
| Interest expense | 524,000 | 973,000 | 1,397,000 | 1,861,000 |
| Net interest income | 2,521,000 | 5,111,000 | 7,775,000 | 10,421,000 |
| Noninterest income | 475,000 | 898,000 | 1,385,000 | 1,875,000 |
| Noninterest expense | 1,657,000 | 3,330,000 | 5,058,000 | 6,829,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 300,000 |
| Pretax income | 1,281,000 | 2,579,000 | 3,926,000 | 5,222,000 |
| Income tax | 212,000 | 422,000 | 634,000 | 833,000 |
| Net income | 1,069,000 | 2,157,000 | 3,292,000 | 4,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,045,000 | 37,133,000 | 38,268,000 | 37,727,000 |
| Total capital | 38,565,000 | 39,700,000 | 40,933,000 | 40,480,000 |
| Risk-weighted assets | 201,357,000 | 205,170,000 | 213,054,000 | 220,109,000 |