Call reports 2023
FIRST FEDERAL SAVINGS BANK OF KENTUCKY — 2023
What FIRST FEDERAL SAVINGS BANK OF KENTUCKY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 253,742,000 | 260,430,000 | 268,835,000 | 278,349,000 |
| Total loans | 226,371,000 | 233,823,000 | 239,505,000 | 246,931,000 |
| Allowance for loan losses | 1,090,000 | 1,092,000 | 1,608,000 | 1,629,000 |
| Securities available for sale | 8,390,000 | 7,858,000 | 7,308,000 | 7,098,000 |
| Securities held to maturity | 205,000 | 194,000 | 180,000 | 164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,043,000 | 182,753,000 | 197,346,000 | 189,521,000 |
| Interest-bearing deposits | 151,503,000 | 170,420,000 | 182,912,000 | 173,051,000 |
| Noninterest-bearing deposits | 14,540,000 | 12,333,000 | 14,434,000 | 16,470,000 |
| Equity capital | 30,598,000 | 30,577,000 | 29,896,000 | 29,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,382,000 | 5,027,000 | 7,875,000 | 10,880,000 |
| Interest expense | 837,000 | 1,967,000 | 3,509,000 | 5,235,000 |
| Net interest income | 1,545,000 | 3,060,000 | 4,366,000 | 5,645,000 |
| Noninterest income | 69,000 | 133,000 | 185,000 | 253,000 |
| Noninterest expense | 1,493,000 | 3,049,000 | 4,596,000 | 6,179,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 41,000 |
| Pretax income | 121,000 | 144,000 | -60,000 | -322,000 |
| Income tax | 23,000 | 18,000 | -10,000 | -80,000 |
| Net income | 98,000 | 126,000 | -50,000 | -242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,851,000 | 29,880,000 | 29,282,000 | 29,090,000 |