Call reports 2003
UNITED KENTUCKY BANK OF PENDLETON COUNTY, INC. — 2003
What UNITED KENTUCKY BANK OF PENDLETON COUNTY, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 33,868,000 | 32,194,000 | 31,158,000 | 32,135,000 |
| Total loans | 18,676,000 | 18,683,000 | 18,895,000 | 18,384,000 |
| Allowance for loan losses | 205,000 | 239,000 | 250,000 | 217,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,856,000 | 6,839,000 | 6,823,000 | 6,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,523,000 | 28,838,000 | 27,752,000 | 28,770,000 |
| Interest-bearing deposits | 27,867,000 | 26,496,000 | 25,641,000 | 26,268,000 |
| Noninterest-bearing deposits | 2,656,000 | 2,342,000 | 2,111,000 | 2,502,000 |
| Equity capital | 3,288,000 | 3,305,000 | 3,340,000 | 3,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 429,000 | 837,000 | 1,231,000 | 1,622,000 |
| Interest expense | 168,000 | 316,000 | 436,000 | 548,000 |
| Net interest income | 261,000 | 521,000 | 795,000 | 1,074,000 |
| Noninterest income | 31,000 | 59,000 | 89,000 | 119,000 |
| Noninterest expense | 247,000 | 490,000 | 729,000 | 1,024,000 |
| Provision for loan losses | 18,000 | 36,000 | 53,000 | 71,000 |
| Pretax income | 27,000 | 54,000 | 102,000 | 98,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 22,000 |
| Net income | 17,000 | 34,000 | 72,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,288,000 | 3,305,000 | 3,340,000 | 3,301,000 |
| Total capital | 3,493,000 | 3,544,000 | 3,590,000 | 3,518,000 |
| Risk-weighted assets | 20,612,000 | 20,353,000 | 20,397,000 | 20,093,000 |