Call reports 2012
BANK OF THE BLUEGRASS AND TRUST CO. — 2012
What BANK OF THE BLUEGRASS AND TRUST CO. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 217,815,000 | 221,049,000 | 216,644,000 | 212,790,000 |
| Total loans | 149,679,000 | 150,720,000 | 152,183,000 | 156,537,000 |
| Allowance for loan losses | 3,633,000 | 3,442,000 | 3,491,000 | 3,408,000 |
| Securities available for sale | 58,487,000 | 61,307,000 | 55,151,000 | 51,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,265,000 | 185,918,000 | 182,986,000 | 178,475,000 |
| Interest-bearing deposits | 163,569,000 | 165,771,000 | 159,698,000 | 157,957,000 |
| Noninterest-bearing deposits | 19,696,000 | 20,147,000 | 23,288,000 | 20,518,000 |
| Equity capital | 29,021,000 | 29,513,000 | 29,269,000 | 29,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,387,000 | 4,784,000 | 7,142,000 | 9,392,000 |
| Interest expense | 434,000 | 823,000 | 1,163,000 | 1,431,000 |
| Net interest income | 1,953,000 | 3,961,000 | 5,979,000 | 7,961,000 |
| Noninterest income | 509,000 | 1,068,000 | 1,608,000 | 2,234,000 |
| Noninterest expense | 1,556,000 | 3,196,000 | 4,766,000 | 6,497,000 |
| Provision for loan losses | 375,000 | 550,000 | 690,000 | 690,000 |
| Pretax income | 883,000 | 1,988,000 | 2,934,000 | 3,967,000 |
| Income tax | 155,000 | 579,000 | 774,000 | 1,138,000 |
| Net income | 728,000 | 1,409,000 | 2,160,000 | 2,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,469,000 | 29,113,000 | 28,863,000 | 29,480,000 |
| Total capital | 30,140,000 | 30,797,000 | 30,538,000 | 31,202,000 |
| Risk-weighted assets | 131,749,000 | 133,000,000 | 132,423,000 | 136,058,000 |