Call reports 2012
CENTRAL KENTUCKY FEDERAL SAVINGS BANK — 2012
What CENTRAL KENTUCKY FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 125,972,000 | 125,290,000 | 124,339,000 | 120,517,000 |
| Total loans | 106,573,000 | 103,600,000 | 100,450,000 | 97,098,000 |
| Allowance for loan losses | 1,903,000 | 1,801,000 | 1,792,000 | 1,879,000 |
| Securities available for sale | 9,000 | 7,000 | 7,000 | 7,000 |
| Securities held to maturity | 11,706,000 | 11,520,000 | 11,204,000 | 10,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,764,000 | 103,126,000 | 102,020,000 | 100,424,000 |
| Interest-bearing deposits | 101,028,000 | 101,315,000 | 100,188,000 | 98,676,000 |
| Noninterest-bearing deposits | 1,736,000 | 1,811,000 | 1,832,000 | 1,748,000 |
| Equity capital | 12,805,000 | 12,821,000 | 12,951,000 | 13,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,552,000 | 3,041,000 | 4,474,000 | 5,826,000 |
| Interest expense | 413,000 | 814,000 | 1,195,000 | 1,547,000 |
| Net interest income | 1,139,000 | 2,227,000 | 3,279,000 | 4,279,000 |
| Noninterest income | 31,000 | -56,000 | 6,000 | 68,000 |
| Noninterest expense | 801,000 | 1,656,000 | 2,423,000 | 3,200,000 |
| Provision for loan losses | 180,000 | 300,000 | 450,000 | 560,000 |
| Pretax income | 189,000 | 215,000 | 412,000 | 587,000 |
| Income tax | 64,000 | 73,000 | 140,000 | 200,000 |
| Net income | 125,000 | 142,000 | 272,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,805,000 | 12,821,000 | 12,951,000 | 13,066,000 |
| Total capital | 13,783,000 | 13,779,000 | 13,874,000 | 13,973,000 |
| Risk-weighted assets | 77,281,000 | 75,763,000 | 72,932,000 | 71,569,000 |