Call reports 2005
UNITED KENTUCKY BANK OF PENDLETON COUNTY, INC. — 2005
What UNITED KENTUCKY BANK OF PENDLETON COUNTY, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 30,479,000 | 29,371,000 | 29,573,000 | 30,123,000 |
| Total loans | 18,426,000 | 18,148,000 | 18,250,000 | 18,238,000 |
| Allowance for loan losses | 284,000 | 291,000 | 299,000 | 199,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,239,000 | 7,219,000 | 7,237,000 | 7,211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,094,000 | 25,917,000 | 26,051,000 | 26,567,000 |
| Interest-bearing deposits | 24,790,000 | 23,625,000 | 23,664,000 | 24,265,000 |
| Noninterest-bearing deposits | 2,304,000 | 2,292,000 | 2,387,000 | 2,302,000 |
| Equity capital | 3,319,000 | 3,361,000 | 3,404,000 | 3,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 395,000 | 806,000 | 1,235,000 | 1,677,000 |
| Interest expense | 105,000 | 223,000 | 353,000 | 510,000 |
| Net interest income | 290,000 | 583,000 | 882,000 | 1,167,000 |
| Noninterest income | 33,000 | 69,000 | 100,000 | 141,000 |
| Noninterest expense | 259,000 | 523,000 | 788,000 | 1,036,000 |
| Provision for loan losses | 15,000 | 23,000 | 32,000 | 40,000 |
| Pretax income | 49,000 | 106,000 | 162,000 | 232,000 |
| Income tax | 50,000 | 65,000 | 78,000 | 70,000 |
| Net income | -1,000 | 41,000 | 84,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,319,000 | 3,361,000 | 3,404,000 | 3,482,000 |
| Total capital | 3,562,000 | 3,600,000 | 3,644,000 | 3,681,000 |
| Risk-weighted assets | 19,405,000 | 19,103,000 | 19,151,000 | 19,215,000 |