Call reports 2020
FIRST FEDERAL SAVINGS BANK OF KENTUCKY — 2020
What FIRST FEDERAL SAVINGS BANK OF KENTUCKY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 247,637,000 | 241,728,000 | 242,443,000 | 243,661,000 |
| Total loans | 203,739,000 | 213,366,000 | 212,681,000 | 216,716,000 |
| Allowance for loan losses | 919,000 | 959,000 | 1,007,000 | 1,104,000 |
| Securities available for sale | 545,000 | 542,000 | 37,000 | 36,000 |
| Securities held to maturity | 459,000 | 436,000 | 407,000 | 380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,899,000 | 169,574,000 | 172,073,000 | 173,991,000 |
| Interest-bearing deposits | 155,707,000 | 160,499,000 | 162,462,000 | 163,432,000 |
| Noninterest-bearing deposits | 8,192,000 | 9,075,000 | 9,611,000 | 10,559,000 |
| Equity capital | 44,209,000 | 30,847,000 | 31,034,000 | 31,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,387,000 | 4,619,000 | 6,855,000 | 9,063,000 |
| Interest expense | 686,000 | 1,264,000 | 1,764,000 | 2,178,000 |
| Net interest income | 1,701,000 | 3,355,000 | 5,091,000 | 6,885,000 |
| Noninterest income | 111,000 | 305,000 | 448,000 | 635,000 |
| Noninterest expense | 1,597,000 | 16,716,000 | 18,285,000 | 19,829,000 |
| Provision for loan losses | 0 | 39,000 | 123,000 | 220,000 |
| Pretax income | 215,000 | -13,095,000 | -12,869,000 | -12,529,000 |
| Income tax | 41,000 | 94,000 | 135,000 | 205,000 |
| Net income | 174,000 | -13,189,000 | -13,004,000 | -12,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,698,000 | 29,898,000 | 30,087,000 | 30,463,000 |