Call reports 2007
UNITED KENTUCKY BANK OF PENDLETON COUNTY, INC. — 2007
What UNITED KENTUCKY BANK OF PENDLETON COUNTY, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,694,000 | 31,795,000 | 32,206,000 | 34,766,000 |
| Total loans | 17,313,000 | 16,687,000 | 17,237,000 | 16,716,000 |
| Allowance for loan losses | 220,000 | 163,000 | 173,000 | 184,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,059,000 | 7,074,000 | 7,134,000 | 7,194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,088,000 | 28,133,000 | 28,501,000 | 31,054,000 |
| Interest-bearing deposits | 26,430,000 | 25,439,000 | 25,756,000 | 27,213,000 |
| Noninterest-bearing deposits | 2,658,000 | 2,694,000 | 2,745,000 | 3,841,000 |
| Equity capital | 3,531,000 | 3,550,000 | 3,566,000 | 3,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 524,000 | 1,051,000 | 1,569,000 | 2,101,000 |
| Interest expense | 238,000 | 493,000 | 748,000 | 1,016,000 |
| Net interest income | 286,000 | 558,000 | 821,000 | 1,085,000 |
| Noninterest income | 36,000 | 79,000 | 118,000 | 155,000 |
| Noninterest expense | 264,000 | 523,000 | 783,000 | 1,025,000 |
| Provision for loan losses | 9,000 | 18,000 | 26,000 | 36,000 |
| Pretax income | 49,000 | 96,000 | 130,000 | 179,000 |
| Income tax | 0 | 28,000 | 46,000 | 53,000 |
| Net income | 49,000 | 68,000 | 84,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,531,000 | 3,550,000 | 3,566,000 | 3,608,000 |
| Total capital | 3,751,000 | 3,713,000 | 3,739,000 | 3,792,000 |
| Risk-weighted assets | 19,097,000 | 18,750,000 | 19,302,000 | 19,537,000 |