Call reports 2005
BANK OF THE BLUEGRASS AND TRUST CO. — 2005
What BANK OF THE BLUEGRASS AND TRUST CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 211,310,000 | 219,184,000 | 220,142,000 | 223,287,000 |
| Total loans | 178,441,000 | 180,939,000 | 186,653,000 | 194,567,000 |
| Allowance for loan losses | 1,277,000 | 1,479,000 | 1,527,000 | 1,624,000 |
| Securities available for sale | 21,473,000 | 23,927,000 | 23,195,000 | 22,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,053,000 | 167,769,000 | 167,818,000 | 165,271,000 |
| Interest-bearing deposits | 149,033,000 | 153,073,000 | 152,503,000 | 149,695,000 |
| Noninterest-bearing deposits | 17,020,000 | 14,696,000 | 15,315,000 | 15,576,000 |
| Equity capital | 17,305,000 | 20,988,000 | 21,211,000 | 21,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,095,000 | 6,368,000 | 9,899,000 | 13,584,000 |
| Interest expense | 1,082,000 | 2,294,000 | 3,634,000 | 5,175,000 |
| Net interest income | 2,013,000 | 4,074,000 | 6,265,000 | 8,409,000 |
| Noninterest income | 324,000 | 664,000 | 1,045,000 | 1,376,000 |
| Noninterest expense | 1,137,000 | 2,274,000 | 3,515,000 | 4,690,000 |
| Provision for loan losses | 165,000 | 372,000 | 435,000 | 572,000 |
| Pretax income | 1,028,000 | 2,085,000 | 3,346,000 | 4,503,000 |
| Income tax | 395,000 | 816,000 | 1,164,000 | 1,594,000 |
| Net income | 633,000 | 1,269,000 | 2,182,000 | 2,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,443,000 | 20,987,000 | 21,336,000 | 22,023,000 |
| Total capital | 18,720,000 | 22,466,000 | 22,863,000 | 23,647,000 |
| Risk-weighted assets | 148,157,000 | 150,506,000 | 154,599,000 | 160,514,000 |
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