Call reports 2013
FIRST FEDERAL SAVINGS BANK OF KENTUCKY — 2013
What FIRST FEDERAL SAVINGS BANK OF KENTUCKY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 252,869,000 | 246,803,000 | 240,144,000 | 235,784,000 |
| Total loans | 198,946,000 | 194,179,000 | 192,503,000 | 190,613,000 |
| Allowance for loan losses | 744,000 | 748,000 | 812,000 | 859,000 |
| Securities available for sale | 189,000 | 205,000 | 180,000 | 224,000 |
| Securities held to maturity | 9,942,000 | 9,134,000 | 8,399,000 | 7,761,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,281,000 | 177,029,000 | 175,606,000 | 164,335,000 |
| Interest-bearing deposits | 179,659,000 | 172,597,000 | 170,759,000 | 160,673,000 |
| Noninterest-bearing deposits | 3,622,000 | 4,432,000 | 4,847,000 | 3,662,000 |
| Equity capital | 45,666,000 | 46,415,000 | 46,704,000 | 45,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,631,000 | 5,221,000 | 7,562,000 | 10,064,000 |
| Interest expense | 289,000 | 570,000 | 876,000 | 1,158,000 |
| Net interest income | 2,342,000 | 4,651,000 | 6,686,000 | 8,906,000 |
| Noninterest income | 1,073,000 | 1,342,000 | 1,494,000 | 1,643,000 |
| Noninterest expense | 1,521,000 | 3,038,000 | 4,525,000 | 6,033,000 |
| Provision for loan losses | 89,000 | 100,000 | 305,000 | 469,000 |
| Pretax income | 1,805,000 | 2,855,000 | 3,350,000 | 4,047,000 |
| Income tax | 281,000 | 631,000 | 791,000 | 987,000 |
| Net income | 1,524,000 | 2,224,000 | 2,559,000 | 3,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,138,000 | 31,865,000 | 32,155,000 | 30,863,000 |
| Total capital | 31,882,000 | 32,613,000 | 32,967,000 | 31,722,000 |
| Risk-weighted assets | 132,747,000 | 129,419,000 | 126,169,000 | 126,160,000 |