Call reports 2013
BANK OF THE BLUEGRASS AND TRUST CO. — 2013
What BANK OF THE BLUEGRASS AND TRUST CO. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 211,626,000 | 213,702,000 | 219,831,000 | 218,540,000 |
| Total loans | 156,032,000 | 153,417,000 | 153,273,000 | 152,064,000 |
| Allowance for loan losses | 3,288,000 | 2,809,000 | 2,161,000 | 2,033,000 |
| Securities available for sale | 47,327,000 | 50,558,000 | 56,003,000 | 57,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,839,000 | 179,967,000 | 185,403,000 | 185,868,000 |
| Interest-bearing deposits | 156,478,000 | 153,884,000 | 160,730,000 | 157,770,000 |
| Noninterest-bearing deposits | 22,361,000 | 26,083,000 | 24,673,000 | 28,098,000 |
| Equity capital | 29,973,000 | 29,204,000 | 28,320,000 | 28,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,149,000 | 4,313,000 | 6,535,000 | 8,879,000 |
| Interest expense | 242,000 | 463,000 | 678,000 | 888,000 |
| Net interest income | 1,907,000 | 3,850,000 | 5,857,000 | 7,991,000 |
| Noninterest income | 548,000 | 1,136,000 | 1,726,000 | 2,357,000 |
| Noninterest expense | 1,635,000 | 3,284,000 | 5,099,000 | 6,899,000 |
| Provision for loan losses | 120,000 | 370,000 | 370,000 | 595,000 |
| Pretax income | 761,000 | 1,438,000 | 2,220,000 | 2,960,000 |
| Income tax | 284,000 | 666,000 | 573,000 | 753,000 |
| Net income | 477,000 | 772,000 | 1,647,000 | 2,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,924,000 | 30,204,000 | 29,275,000 | 29,802,000 |
| Total capital | 31,629,000 | 31,924,000 | 31,012,000 | 31,542,000 |
| Risk-weighted assets | 134,814,000 | 136,525,000 | 138,529,000 | 138,882,000 |