Call reports 2015
FIRST FEDERAL SAVINGS BANK OF KENTUCKY — 2015
What FIRST FEDERAL SAVINGS BANK OF KENTUCKY 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 | 228,805,000 | 229,188,000 | 231,025,000 | 232,995,000 |
| Total loans | 187,447,000 | 187,707,000 | 189,538,000 | 189,887,000 |
| Allowance for loan losses | 972,000 | 972,000 | 972,000 | 972,000 |
| Securities available for sale | 168,000 | 159,000 | 155,000 | 137,000 |
| Securities held to maturity | 6,104,000 | 4,959,000 | 4,349,000 | 3,754,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,692,000 | 156,624,000 | 155,225,000 | 143,522,000 |
| Interest-bearing deposits | 155,497,000 | 151,675,000 | 150,558,000 | 139,563,000 |
| Noninterest-bearing deposits | 5,195,000 | 4,949,000 | 4,667,000 | 3,959,000 |
| Equity capital | 46,136,000 | 46,649,000 | 47,192,000 | 45,553,000 |
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 | 2,396,000 | 4,677,000 | 6,963,000 | 9,252,000 |
| Interest expense | 256,000 | 492,000 | 727,000 | 957,000 |
| Net interest income | 2,140,000 | 4,185,000 | 6,236,000 | 8,295,000 |
| Noninterest income | 88,000 | 222,000 | 362,000 | 510,000 |
| Noninterest expense | 1,465,000 | 2,874,000 | 4,384,000 | 5,951,000 |
| Provision for loan losses | 6,000 | 9,000 | 9,000 | 9,000 |
| Pretax income | 757,000 | 1,524,000 | 2,205,000 | 2,845,000 |
| Income tax | 250,000 | 503,000 | 640,000 | 850,000 |
| Net income | 507,000 | 1,021,000 | 1,565,000 | 1,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,590,000 | 32,104,000 | 32,648,000 | 31,020,000 |
| Total capital | 32,588,000 | 33,101,000 | 33,645,000 | 32,009,000 |
| Risk-weighted assets | 128,839,000 | 128,061,000 | 134,334,000 | 137,063,000 |