Call reports 2016
BANK OF THE BLUEGRASS AND TRUST CO. — 2016
What BANK OF THE BLUEGRASS AND TRUST CO. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 226,505,000 | 231,307,000 | 236,717,000 | 229,723,000 |
| Total loans | 169,685,000 | 173,562,000 | 176,945,000 | 176,164,000 |
| Allowance for loan losses | 2,587,000 | 2,573,000 | 2,576,000 | 2,260,000 |
| Securities available for sale | 43,046,000 | 48,269,000 | 45,741,000 | 43,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,784,000 | 190,811,000 | 196,040,000 | 192,498,000 |
| Interest-bearing deposits | 156,958,000 | 157,769,000 | 155,641,000 | 154,026,000 |
| Noninterest-bearing deposits | 30,826,000 | 33,042,000 | 40,399,000 | 38,472,000 |
| Equity capital | 30,988,000 | 32,258,000 | 29,908,000 | 29,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,340,000 | 4,720,000 | 7,139,000 | 9,505,000 |
| Interest expense | 209,000 | 423,000 | 643,000 | 861,000 |
| Net interest income | 2,131,000 | 4,297,000 | 6,496,000 | 8,644,000 |
| Noninterest income | 732,000 | 1,389,000 | 2,064,000 | 2,879,000 |
| Noninterest expense | 1,912,000 | 3,649,000 | 5,608,000 | 7,485,000 |
| Provision for loan losses | 60,000 | 140,000 | 245,000 | 305,000 |
| Pretax income | 942,000 | 1,948,000 | 2,814,000 | 3,840,000 |
| Income tax | 283,000 | 590,000 | 866,000 | 1,180,000 |
| Net income | 659,000 | 1,358,000 | 1,948,000 | 2,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,837,000 | 31,510,000 | 29,426,000 | 30,117,000 |
| Total capital | 32,858,000 | 33,592,000 | 31,519,000 | 32,236,000 |
| Risk-weighted assets | 161,181,000 | 166,128,000 | 167,000,000 | 169,443,000 |