Call reports 2019
FIRST FEDERAL SAVINGS BANK OF KENTUCKY — 2019
What FIRST FEDERAL SAVINGS BANK OF KENTUCKY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 239,120,000 | 245,999,000 | 246,815,000 | 246,368,000 |
| Total loans | 199,735,000 | 204,578,000 | 206,022,000 | 206,837,000 |
| Allowance for loan losses | 945,000 | 915,000 | 920,000 | 918,000 |
| Securities available for sale | 547,000 | 549,000 | 547,000 | 545,000 |
| Securities held to maturity | 573,000 | 544,000 | 506,000 | 482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,380,000 | 152,542,000 | 153,194,000 | 156,313,000 |
| Interest-bearing deposits | 145,754,000 | 146,386,000 | 145,936,000 | 149,596,000 |
| Noninterest-bearing deposits | 5,626,000 | 6,156,000 | 7,258,000 | 6,717,000 |
| Equity capital | 43,988,000 | 44,170,000 | 44,306,000 | 44,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,339,000 | 4,806,000 | 7,280,000 | 9,721,000 |
| Interest expense | 656,000 | 1,357,000 | 2,090,000 | 2,811,000 |
| Net interest income | 1,683,000 | 3,449,000 | 5,190,000 | 6,910,000 |
| Noninterest income | 96,000 | 125,000 | 199,000 | 298,000 |
| Noninterest expense | 1,673,000 | 3,253,000 | 4,848,000 | 6,441,000 |
| Provision for loan losses | 0 | 0 | 59,000 | 64,000 |
| Pretax income | 106,000 | 321,000 | 482,000 | 703,000 |
| Income tax | 15,000 | 54,000 | 84,000 | 127,000 |
| Net income | 91,000 | 267,000 | 398,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,479,000 | 29,659,000 | 29,795,000 | 30,097,000 |
| Total capital | 30,424,000 | 30,574,000 | 30,715,000 | 31,015,000 |
| Risk-weighted assets | 141,806,000 | 145,396,000 | 146,334,000 | 145,552,000 |