Call reports 2012
KENTUCKY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What KENTUCKY FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 40,214,000 | 41,071,000 | 40,673,000 | 40,101,000 |
| Total loans | 26,799,000 | 25,495,000 | 25,388,000 | 24,813,000 |
| Allowance for loan losses | 154,000 | 181,000 | 182,000 | 182,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,810,000 | 4,710,000 | 2,613,000 | 2,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,288,000 | 35,481,000 | 35,559,000 | 34,831,000 |
| Interest-bearing deposits | 34,996,000 | 34,911,000 | 34,853,000 | 34,135,000 |
| Noninterest-bearing deposits | 292,000 | 570,000 | 706,000 | 696,000 |
| Equity capital | 3,173,000 | 3,193,000 | 3,206,000 | 3,206,000 |
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 | 405,000 | 803,000 | 1,172,000 | 1,529,000 |
| Interest expense | 94,000 | 181,000 | 265,000 | 343,000 |
| Net interest income | 311,000 | 622,000 | 907,000 | 1,186,000 |
| Noninterest income | 75,000 | 148,000 | 247,000 | 352,000 |
| Noninterest expense | 339,000 | 677,000 | 1,034,000 | 1,403,000 |
| Provision for loan losses | 97,000 | 124,000 | 132,000 | 149,000 |
| Pretax income | -50,000 | -31,000 | -12,000 | -14,000 |
| Income tax | 2,000 | 2,000 | 7,000 | 7,000 |
| Net income | -52,000 | -33,000 | -19,000 | -21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,173,000 | 3,188,000 | 3,201,000 | 3,201,000 |
| Total capital | 3,327,000 | 3,369,000 | 3,383,000 | 3,383,000 |
| Risk-weighted assets | 18,207,000 | 19,077,000 | 17,532,000 | 18,004,000 |
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