Call reports 2025
FIRST FEDERAL SAVINGS BANK OF KENTUCKY — 2025
What FIRST FEDERAL SAVINGS BANK OF KENTUCKY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 296,044,000 | 286,176,000 | 288,981,000 | 289,077,000 |
| Total loans | 254,361,000 | 252,554,000 | 252,172,000 | 253,609,000 |
| Allowance for loan losses | 1,662,000 | 1,667,000 | 1,663,000 | 1,664,000 |
| Securities available for sale | 5,311,000 | 7,021,000 | 9,142,000 | 8,765,000 |
| Securities held to maturity | 116,000 | 108,000 | 100,000 | 93,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,633,000 | 219,385,000 | 221,720,000 | 214,002,000 |
| Interest-bearing deposits | 211,876,000 | 207,579,000 | 213,322,000 | 202,901,000 |
| Noninterest-bearing deposits | 11,757,000 | 11,805,000 | 8,398,000 | 11,101,000 |
| Equity capital | 29,101,000 | 29,315,000 | 29,687,000 | 30,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,804,000 | 7,800,000 | 11,826,000 | 15,983,000 |
| Interest expense | 2,163,000 | 4,349,000 | 6,407,000 | 8,459,000 |
| Net interest income | 1,641,000 | 3,451,000 | 5,419,000 | 7,524,000 |
| Noninterest income | 92,000 | 205,000 | 357,000 | 535,000 |
| Noninterest expense | 1,637,000 | 3,306,000 | 4,994,000 | 6,768,000 |
| Provision for loan losses | 19,000 | 19,000 | 19,000 | 19,000 |
| Pretax income | 75,000 | 329,000 | 761,000 | 1,270,000 |
| Income tax | 20,000 | 80,000 | 183,000 | 307,000 |
| Net income | 55,000 | 249,000 | 578,000 | 963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,204,000 | 29,399,000 | 29,727,000 | 30,058,000 |