Call reports 2015
BANK OF THE BLUEGRASS AND TRUST CO. — 2015
What BANK OF THE BLUEGRASS AND TRUST CO. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 223,503,000 | 229,658,000 | 225,571,000 | 223,082,000 |
| Total loans | 165,391,000 | 163,591,000 | 168,491,000 | 172,089,000 |
| Allowance for loan losses | 2,269,000 | 2,280,000 | 2,419,000 | 2,479,000 |
| Securities available for sale | 50,323,000 | 48,827,000 | 50,115,000 | 44,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,480,000 | 190,379,000 | 185,108,000 | 184,995,000 |
| Interest-bearing deposits | 157,982,000 | 161,282,000 | 154,237,000 | 155,484,000 |
| Noninterest-bearing deposits | 26,498,000 | 29,097,000 | 30,871,000 | 29,511,000 |
| Equity capital | 30,908,000 | 31,134,000 | 29,557,000 | 30,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,287,000 | 4,609,000 | 6,925,000 | 9,337,000 |
| Interest expense | 199,000 | 408,000 | 618,000 | 828,000 |
| Net interest income | 2,088,000 | 4,201,000 | 6,307,000 | 8,509,000 |
| Noninterest income | 652,000 | 1,304,000 | 2,045,000 | 2,714,000 |
| Noninterest expense | 1,861,000 | 3,631,000 | 5,426,000 | 7,257,000 |
| Provision for loan losses | 0 | 0 | 125,000 | 215,000 |
| Pretax income | 876,000 | 1,871,000 | 2,851,000 | 3,830,000 |
| Income tax | 262,000 | 560,000 | 849,000 | 1,141,000 |
| Net income | 614,000 | 1,311,000 | 2,002,000 | 2,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,740,000 | 31,412,000 | 29,541,000 | 30,203,000 |
| Total capital | 32,606,000 | 33,351,000 | 31,508,000 | 32,200,000 |
| Risk-weighted assets | 148,947,000 | 154,786,000 | 156,985,000 | 159,332,000 |