Call reports 2024
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2024
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 452,095,000 | 462,894,000 | 469,117,000 | 483,030,000 |
| Total loans | 249,375,000 | 260,580,000 | 269,583,000 | 276,640,000 |
| Allowance for loan losses | 3,382,000 | 3,388,000 | 3,395,000 | 3,398,000 |
| Securities available for sale | 170,554,000 | 168,342,000 | 168,809,000 | 159,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,812,000 | 394,640,000 | 394,215,000 | 423,725,000 |
| Interest-bearing deposits | 322,573,000 | 320,981,000 | 324,230,000 | 351,380,000 |
| Noninterest-bearing deposits | 72,239,000 | 73,659,000 | 69,985,000 | 72,345,000 |
| Equity capital | 34,930,000 | 35,960,000 | 40,263,000 | 35,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,060,000 | 10,431,000 | 15,940,000 | 21,640,000 |
| Interest expense | 2,489,000 | 5,172,000 | 7,926,000 | 10,716,000 |
| Net interest income | 2,571,000 | 5,259,000 | 8,014,000 | 10,924,000 |
| Noninterest income | 737,000 | 1,483,000 | 2,320,000 | 3,085,000 |
| Noninterest expense | 2,074,000 | 4,108,000 | 6,214,000 | 8,354,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 60,000 |
| Pretax income | 1,234,000 | 2,619,000 | 4,090,000 | 5,597,000 |
| Income tax | 149,000 | 406,000 | 684,000 | 946,000 |
| Net income | 1,085,000 | 2,213,000 | 3,406,000 | 4,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,628,000 | 51,718,000 | 53,453,000 | 52,610,000 |