Call reports 2022
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2022
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 379,184,000 | 443,193,000 | 436,117,000 | 454,222,000 |
| Total loans | 200,473,000 | 223,854,000 | 224,547,000 | 229,480,000 |
| Allowance for loan losses | 3,187,000 | 3,208,000 | 3,242,000 | 3,292,000 |
| Securities available for sale | 154,659,000 | 189,861,000 | 177,752,000 | 187,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,772,000 | 400,471,000 | 391,341,000 | 412,809,000 |
| Interest-bearing deposits | 257,753,000 | 312,145,000 | 303,184,000 | 326,362,000 |
| Noninterest-bearing deposits | 81,019,000 | 88,326,000 | 88,157,000 | 86,447,000 |
| Equity capital | 29,620,000 | 31,571,000 | 27,030,000 | 29,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,109,000 | 7,014,000 | 10,960,000 | 15,215,000 |
| Interest expense | 310,000 | 808,000 | 1,340,000 | 2,108,000 |
| Net interest income | 2,799,000 | 6,206,000 | 9,620,000 | 13,107,000 |
| Noninterest income | 551,000 | 1,216,000 | 1,868,000 | 2,490,000 |
| Noninterest expense | 1,777,000 | 3,891,000 | 5,814,000 | 7,723,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 1,543,000 | 3,576,000 | 5,702,000 | 7,611,000 |
| Income tax | 280,000 | 679,000 | 1,087,000 | 1,443,000 |
| Net income | 1,263,000 | 2,897,000 | 4,615,000 | 6,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,458,000 | 45,689,000 | 45,242,000 | 48,470,000 |
| Total capital | 40,588,000 | 48,897,000 | — | — |
| Risk-weighted assets | 250,351,000 | 284,452,000 | — | — |