Call reports 2014
FIRST FEDERAL SAVINGS BANK OF KENTUCKY — 2014
What FIRST FEDERAL SAVINGS BANK OF KENTUCKY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 235,068,000 | 228,855,000 | 225,685,000 | 228,303,000 |
| Total loans | 187,754,000 | 184,969,000 | 183,543,000 | 186,345,000 |
| Allowance for loan losses | 873,000 | 884,000 | 884,000 | 972,000 |
| Securities available for sale | 250,000 | 247,000 | 209,000 | 164,000 |
| Securities held to maturity | 7,628,000 | 6,983,000 | 6,832,000 | 6,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,624,000 | 166,346,000 | 165,396,000 | 152,985,000 |
| Interest-bearing deposits | 167,141,000 | 161,531,000 | 159,851,000 | 149,449,000 |
| Noninterest-bearing deposits | 4,483,000 | 4,815,000 | 5,545,000 | 3,536,000 |
| Equity capital | 45,888,000 | 46,233,000 | 46,738,000 | 47,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,389,000 | 4,728,000 | 7,113,000 | 9,484,000 |
| Interest expense | 241,000 | 467,000 | 684,000 | 910,000 |
| Net interest income | 2,148,000 | 4,261,000 | 6,429,000 | 8,574,000 |
| Noninterest income | 127,000 | 205,000 | 362,000 | 594,000 |
| Noninterest expense | 1,555,000 | 3,220,000 | 4,758,000 | 6,188,000 |
| Provision for loan losses | 20,000 | 41,000 | 41,000 | 228,000 |
| Pretax income | 700,000 | 1,205,000 | 1,992,000 | 2,752,000 |
| Income tax | 271,000 | 429,000 | 689,000 | 940,000 |
| Net income | 429,000 | 776,000 | 1,303,000 | 1,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,290,000 | 31,647,000 | 32,175,000 | 32,684,000 |
| Total capital | 32,163,000 | 32,531,000 | 33,059,000 | 33,656,000 |
| Risk-weighted assets | 125,153,000 | 123,061,000 | 121,986,000 | 123,222,000 |