Call reports 2012
FIRST FEDERAL SAVINGS BANK OF KENTUCKY — 2012
What FIRST FEDERAL SAVINGS BANK OF KENTUCKY 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 | 136,775,000 | 137,771,000 | 137,245,000 | 137,027,000 |
| Total loans | 109,063,000 | 108,840,000 | 106,978,000 | 106,969,000 |
| Allowance for loan losses | 444,000 | 454,000 | 441,000 | 660,000 |
| Securities available for sale | 192,000 | 189,000 | 187,000 | 171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,040,000 | 82,317,000 | 83,737,000 | 70,904,000 |
| Interest-bearing deposits | 82,157,000 | 80,128,000 | 81,741,000 | 69,209,000 |
| Noninterest-bearing deposits | 1,883,000 | 2,189,000 | 1,996,000 | 1,695,000 |
| Equity capital | 33,774,000 | 34,071,000 | 34,473,000 | 33,053,000 |
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 | 1,443,000 | 2,756,000 | 4,140,000 | 5,509,000 |
| Interest expense | 274,000 | 522,000 | 768,000 | 985,000 |
| Net interest income | 1,169,000 | 2,234,000 | 3,372,000 | 4,524,000 |
| Noninterest income | 85,000 | 177,000 | 313,000 | 448,000 |
| Noninterest expense | 718,000 | 1,428,000 | 2,117,000 | 2,824,000 |
| Provision for loan losses | 0 | 10,000 | -3,000 | 278,000 |
| Pretax income | 536,000 | 973,000 | 1,571,000 | 1,870,000 |
| Income tax | 175,000 | 316,000 | 512,000 | 606,000 |
| Net income | 361,000 | 657,000 | 1,059,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,246,000 | 19,543,000 | 19,945,000 | 18,525,000 |
| Total capital | 19,690,000 | 19,997,000 | 20,386,000 | 19,185,000 |
| Risk-weighted assets | 68,836,000 | 69,578,000 | 67,617,000 | 67,685,000 |