Call reports 2023
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2023
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 455,806,000 | 450,524,000 | 450,311,000 | 451,651,000 |
| Total loans | 227,319,000 | 236,394,000 | 239,531,000 | 244,468,000 |
| Allowance for loan losses | 3,396,000 | 3,400,000 | 3,392,000 | 3,388,000 |
| Securities available for sale | 195,449,000 | 178,696,000 | 169,720,000 | 175,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,274,000 | 390,895,000 | 394,674,000 | 381,262,000 |
| Interest-bearing deposits | 302,323,000 | 307,597,000 | 312,116,000 | 302,599,000 |
| Noninterest-bearing deposits | 82,951,000 | 83,298,000 | 82,558,000 | 78,663,000 |
| Equity capital | 33,191,000 | 32,984,000 | 29,839,000 | 36,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,574,000 | 9,252,000 | 14,149,000 | 19,154,000 |
| Interest expense | 996,000 | 2,484,000 | 4,248,000 | 6,551,000 |
| Net interest income | 3,578,000 | 6,768,000 | 9,901,000 | 12,603,000 |
| Noninterest income | 633,000 | 1,329,000 | 2,039,000 | 2,815,000 |
| Noninterest expense | 2,017,000 | 4,076,000 | 6,140,000 | 7,992,000 |
| Provision for loan losses | 105,000 | 105,000 | 105,000 | 105,000 |
| Pretax income | 2,091,000 | 3,927,000 | 5,706,000 | 7,237,000 |
| Income tax | 400,000 | 739,000 | 1,067,000 | 1,333,000 |
| Net income | 1,691,000 | 3,188,000 | 4,639,000 | 5,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,859,000 | 47,863,000 | 49,625,000 | 48,289,000 |