Call reports 2004
BANK OF THE BLUEGRASS AND TRUST CO. — 2004
What BANK OF THE BLUEGRASS AND TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 173,514,000 | 177,040,000 | 191,939,000 | 200,146,000 |
| Total loans | 139,512,000 | 147,032,000 | 159,629,000 | 172,917,000 |
| Allowance for loan losses | 1,271,000 | 1,145,000 | 1,207,000 | 1,189,000 |
| Securities available for sale | 23,500,000 | 22,893,000 | 22,177,000 | 21,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,375,000 | 140,963,000 | 152,458,000 | 158,428,000 |
| Interest-bearing deposits | 125,472,000 | 125,520,000 | 135,289,000 | 142,457,000 |
| Noninterest-bearing deposits | 14,903,000 | 15,443,000 | 17,169,000 | 15,971,000 |
| Equity capital | 15,882,000 | 16,167,000 | 16,281,000 | 16,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,478,000 | 5,081,000 | 7,818,000 | 10,754,000 |
| Interest expense | 779,000 | 1,569,000 | 2,409,000 | 3,377,000 |
| Net interest income | 1,699,000 | 3,512,000 | 5,409,000 | 7,377,000 |
| Noninterest income | 396,000 | 839,000 | 1,304,000 | 1,665,000 |
| Noninterest expense | 1,011,000 | 2,066,000 | 3,328,000 | 4,477,000 |
| Provision for loan losses | 0 | 130,000 | 230,000 | 310,000 |
| Pretax income | 1,079,000 | 2,140,000 | 3,134,000 | 4,235,000 |
| Income tax | 356,000 | 750,000 | 944,000 | 1,332,000 |
| Net income | 723,000 | 1,390,000 | 2,190,000 | 2,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,590,000 | 16,252,000 | 16,146,000 | 16,839,000 |
| Total capital | 16,861,000 | 17,397,000 | 17,353,000 | 18,028,000 |
| Risk-weighted assets | 117,431,000 | 123,673,000 | 133,207,000 | 140,907,000 |
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