Call reports 2016
KENTUCKY FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What KENTUCKY FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 35,864,000 | 36,050,000 | 35,591,000 | 33,361,000 |
| Total loans | 20,236,000 | 19,639,000 | 18,304,000 | 17,638,000 |
| Allowance for loan losses | 195,000 | 194,000 | 195,000 | 195,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,260,000 | 3,860,000 | 4,410,000 | 5,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,802,000 | 31,969,000 | 31,706,000 | 29,507,000 |
| Interest-bearing deposits | 30,677,000 | 30,823,000 | 30,513,000 | 28,587,000 |
| Noninterest-bearing deposits | 1,125,000 | 1,146,000 | 1,193,000 | 920,000 |
| Equity capital | 3,115,000 | 3,069,000 | 3,030,000 | 3,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 291,000 | 597,000 | 886,000 | 1,160,000 |
| Interest expense | 62,000 | 123,000 | 186,000 | 244,000 |
| Net interest income | 229,000 | 474,000 | 700,000 | 916,000 |
| Noninterest income | 49,000 | 125,000 | 190,000 | 250,000 |
| Noninterest expense | 294,000 | 674,000 | 1,017,000 | 1,321,000 |
| Provision for loan losses | 52,000 | 52,000 | 52,000 | 52,000 |
| Pretax income | -68,000 | -127,000 | -179,000 | -207,000 |
| Income tax | -23,000 | -36,000 | -51,000 | -59,000 |
| Net income | -45,000 | -91,000 | -128,000 | -148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,115,000 | 3,069,000 | 3,030,000 | 3,011,000 |
| Total capital | 3,310,000 | 3,256,000 | 3,210,000 | 3,182,000 |
| Risk-weighted assets | 15,605,000 | 14,977,000 | 14,392,000 | 13,653,000 |