Call reports 2004
UNITED KENTUCKY BANK OF PENDLETON COUNTY, INC. — 2004
What UNITED KENTUCKY BANK OF PENDLETON COUNTY, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 31,261,000 | 30,208,000 | 29,723,000 | 31,340,000 |
| Total loans | 17,997,000 | 18,790,000 | 19,079,000 | 19,290,000 |
| Allowance for loan losses | 238,000 | 259,000 | 267,000 | 283,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,318,000 | 7,267,000 | 7,261,000 | 7,228,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,925,000 | 26,838,000 | 26,283,000 | 27,883,000 |
| Interest-bearing deposits | 25,531,000 | 24,386,000 | 24,359,000 | 25,413,000 |
| Noninterest-bearing deposits | 2,394,000 | 2,452,000 | 1,924,000 | 2,470,000 |
| Equity capital | 3,295,000 | 3,305,000 | 3,341,000 | 3,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 370,000 | 723,000 | 1,095,000 | 1,479,000 |
| Interest expense | 104,000 | 200,000 | 295,000 | 401,000 |
| Net interest income | 266,000 | 523,000 | 800,000 | 1,078,000 |
| Noninterest income | 26,000 | 58,000 | 96,000 | 137,000 |
| Noninterest expense | 248,000 | 503,000 | 754,000 | 1,015,000 |
| Provision for loan losses | 18,000 | 36,000 | 53,000 | 65,000 |
| Pretax income | 26,000 | 42,000 | 89,000 | 135,000 |
| Income tax | 0 | 6,000 | 14,000 | 35,000 |
| Net income | 26,000 | 36,000 | 75,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,295,000 | 3,305,000 | 3,341,000 | 3,366,000 |
| Total capital | 3,533,000 | 3,552,000 | 3,593,000 | 3,620,000 |
| Risk-weighted assets | 19,641,000 | 19,733,000 | 20,117,000 | 20,321,000 |