Call reports 2008
UNITED KENTUCKY BANK OF PENDLETON COUNTY, INC. — 2008
What UNITED KENTUCKY BANK OF PENDLETON COUNTY, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 33,021,000 | 32,494,000 | 30,951,000 | 31,222,000 |
| Total loans | 16,173,000 | 16,117,000 | 16,546,000 | 16,061,000 |
| Allowance for loan losses | 195,000 | 204,000 | 214,000 | 218,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,755,000 | 7,770,000 | 7,828,000 | 7,807,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,368,000 | 28,834,000 | 27,267,000 | 27,720,000 |
| Interest-bearing deposits | 26,659,000 | 25,949,000 | 24,469,000 | 24,693,000 |
| Noninterest-bearing deposits | 2,709,000 | 2,885,000 | 2,798,000 | 3,027,000 |
| Equity capital | 3,581,000 | 3,569,000 | 3,580,000 | 3,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 890,000 | 1,291,000 | 1,668,000 |
| Interest expense | 239,000 | 425,000 | 594,000 | 741,000 |
| Net interest income | 243,000 | 465,000 | 697,000 | 927,000 |
| Noninterest income | 48,000 | 94,000 | 148,000 | 199,000 |
| Noninterest expense | 262,000 | 522,000 | 781,000 | 1,023,000 |
| Provision for loan losses | 11,000 | 21,000 | 31,000 | 291,000 |
| Pretax income | 18,000 | 16,000 | 33,000 | -188,000 |
| Income tax | 0 | 10,000 | 16,000 | -54,000 |
| Net income | 18,000 | 6,000 | 17,000 | -134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,581,000 | 3,569,000 | 3,580,000 | 3,429,000 |
| Total capital | 3,776,000 | 3,773,000 | 3,794,000 | 3,647,000 |
| Risk-weighted assets | 19,228,000 | 19,144,000 | 19,366,000 | 19,124,000 |