Call reports 2015
KENTUCKY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What KENTUCKY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 35,770,000 | 35,682,000 | 35,372,000 | 35,264,000 |
| Total loans | 20,804,000 | 21,411,000 | 20,926,000 | 20,755,000 |
| Allowance for loan losses | 195,000 | 195,000 | 195,000 | 195,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,510,000 | 3,510,000 | 2,860,000 | 2,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,475,000 | 31,396,000 | 31,120,000 | 30,950,000 |
| Interest-bearing deposits | 30,551,000 | 30,257,000 | 29,863,000 | 29,965,000 |
| Noninterest-bearing deposits | 924,000 | 1,139,000 | 1,257,000 | 985,000 |
| Equity capital | 3,137,000 | 3,139,000 | 3,157,000 | 3,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 304,000 | 612,000 | 915,000 | 1,225,000 |
| Interest expense | 59,000 | 117,000 | 177,000 | 241,000 |
| Net interest income | 245,000 | 495,000 | 738,000 | 984,000 |
| Noninterest income | 52,000 | 123,000 | 197,000 | 262,000 |
| Noninterest expense | 300,000 | 617,000 | 916,000 | 1,221,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -3,000 | 1,000 | 19,000 | 25,000 |
| Income tax | 0 | 0 | 2,000 | 5,000 |
| Net income | -3,000 | 1,000 | 17,000 | 20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,137,000 | 3,139,000 | 3,157,000 | 3,159,000 |
| Total capital | 3,326,000 | 3,334,000 | 3,349,000 | 3,354,000 |
| Risk-weighted assets | 15,407,000 | 15,517,000 | 15,324,000 | 15,441,000 |
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