Call reports 2025
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2025
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 493,334,000 | 491,472,000 | 511,664,000 | 523,473,000 |
| Total loans | 281,171,000 | 283,689,000 | 305,817,000 | 320,980,000 |
| Allowance for loan losses | 3,354,000 | 3,382,000 | 3,400,000 | 3,500,000 |
| Securities available for sale | 160,659,000 | 167,362,000 | 170,222,000 | 169,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,512,000 | 430,583,000 | 445,456,000 | 448,256,000 |
| Interest-bearing deposits | 355,541,000 | 355,095,000 | 364,967,000 | 365,476,000 |
| Noninterest-bearing deposits | 76,971,000 | 75,488,000 | 80,489,000 | 82,780,000 |
| Equity capital | 36,913,000 | 36,973,000 | 42,225,000 | 42,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,838,000 | 11,998,000 | 18,337,000 | 24,861,000 |
| Interest expense | 2,668,000 | 5,353,000 | 8,039,000 | 10,587,000 |
| Net interest income | 3,170,000 | 6,645,000 | 10,298,000 | 14,274,000 |
| Noninterest income | 721,000 | 1,452,000 | 2,255,000 | 3,096,000 |
| Noninterest expense | 2,170,000 | 4,449,000 | 6,714,000 | 9,083,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 185,000 |
| Pretax income | 1,705,000 | 3,602,000 | 5,763,000 | 7,898,000 |
| Income tax | 312,000 | 662,000 | 1,067,000 | 1,461,000 |
| Net income | 1,393,000 | 2,940,000 | 4,696,000 | 6,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,770,000 | 54,312,000 | 55,930,000 | 55,389,000 |