Call reports 2016
FIRST FEDERAL SAVINGS BANK OF KENTUCKY — 2016
What FIRST FEDERAL SAVINGS BANK OF KENTUCKY 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 | 228,427,000 | 228,722,000 | 232,884,000 | 236,095,000 |
| Total loans | 185,754,000 | 185,614,000 | 189,608,000 | 194,009,000 |
| Allowance for loan losses | 972,000 | 944,000 | 944,000 | 933,000 |
| Securities available for sale | 128,000 | 135,000 | 125,000 | 185,000 |
| Securities held to maturity | 3,685,000 | 3,104,000 | 2,530,000 | 1,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,278,000 | 149,968,000 | 147,667,000 | 138,755,000 |
| Interest-bearing deposits | 144,767,000 | 145,131,000 | 141,766,000 | 134,328,000 |
| Noninterest-bearing deposits | 4,511,000 | 4,837,000 | 5,901,000 | 4,427,000 |
| Equity capital | 44,597,000 | 44,986,000 | 45,281,000 | 44,192,000 |
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 | 2,198,000 | 4,362,000 | 6,509,000 | 8,684,000 |
| Interest expense | 252,000 | 496,000 | 740,000 | 999,000 |
| Net interest income | 1,946,000 | 3,866,000 | 5,769,000 | 7,685,000 |
| Noninterest income | 8,000 | 210,000 | 390,000 | 498,000 |
| Noninterest expense | 1,632,000 | 3,180,000 | 4,835,000 | 6,435,000 |
| Provision for loan losses | 0 | 24,000 | 24,000 | 24,000 |
| Pretax income | 322,000 | 872,000 | 1,300,000 | 1,724,000 |
| Income tax | 102,000 | 281,000 | 419,000 | 555,000 |
| Net income | 220,000 | 591,000 | 881,000 | 1,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,068,000 | 30,448,000 | 30,748,000 | 29,618,000 |
| Total capital | 31,054,000 | 31,412,000 | 31,709,000 | 30,596,000 |
| Risk-weighted assets | 132,845,000 | 133,681,000 | 135,322,000 | 135,349,000 |