Call reports 2010
BANK OF THE BLUEGRASS AND TRUST CO. — 2010
What BANK OF THE BLUEGRASS AND TRUST CO. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 222,018,000 | 217,348,000 | 216,582,000 | 209,858,000 |
| Total loans | 163,224,000 | 161,263,000 | 158,133,000 | 156,091,000 |
| Allowance for loan losses | 2,773,000 | 2,587,000 | 2,706,000 | 3,432,000 |
| Securities available for sale | 42,223,000 | 42,687,000 | 46,618,000 | 45,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,927,000 | 183,823,000 | 182,130,000 | 177,004,000 |
| Interest-bearing deposits | 174,495,000 | 168,197,000 | 167,220,000 | 163,246,000 |
| Noninterest-bearing deposits | 14,432,000 | 15,626,000 | 14,910,000 | 13,758,000 |
| Equity capital | 25,514,000 | 25,991,000 | 27,121,000 | 26,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,988,000 | 5,863,000 | 8,719,000 | 11,431,000 |
| Interest expense | 999,000 | 1,866,000 | 2,678,000 | 3,380,000 |
| Net interest income | 1,989,000 | 3,997,000 | 6,041,000 | 8,051,000 |
| Noninterest income | 730,000 | 1,193,000 | 1,688,000 | 2,241,000 |
| Noninterest expense | 1,690,000 | 3,464,000 | 5,304,000 | 7,029,000 |
| Provision for loan losses | 75,000 | 400,000 | 800,000 | 1,815,000 |
| Pretax income | 1,001,000 | 1,607,000 | 2,201,000 | 2,213,000 |
| Income tax | 146,000 | 421,000 | -267,000 | -531,000 |
| Net income | 855,000 | 1,186,000 | 2,468,000 | 2,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,024,000 | 25,321,000 | 26,566,000 | 26,809,000 |
| Total capital | 26,824,000 | 27,092,000 | 28,327,000 | 28,529,000 |
| Risk-weighted assets | 143,072,000 | 140,855,000 | 139,947,000 | 135,890,000 |