Call reports 2020
BANK OF THE BLUEGRASS AND TRUST CO. — 2020
What BANK OF THE BLUEGRASS AND TRUST CO. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 268,236,000 | 297,331,000 | 296,466,000 | 290,726,000 |
| Total loans | 206,736,000 | 216,919,000 | 216,973,000 | 214,046,000 |
| Allowance for loan losses | 3,423,000 | 3,887,000 | 4,295,000 | 4,330,000 |
| Securities available for sale | 48,897,000 | 49,250,000 | 54,605,000 | 60,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,473,000 | 249,414,000 | 249,175,000 | 245,294,000 |
| Interest-bearing deposits | 175,856,000 | 187,617,000 | 185,344,000 | 183,286,000 |
| Noninterest-bearing deposits | 45,617,000 | 61,797,000 | 63,831,000 | 62,008,000 |
| Equity capital | 33,620,000 | 34,314,000 | 33,977,000 | 34,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,911,000 | 6,008,000 | 8,935,000 | 11,835,000 |
| Interest expense | 542,000 | 1,051,000 | 1,528,000 | 1,939,000 |
| Net interest income | 2,369,000 | 4,957,000 | 7,407,000 | 9,896,000 |
| Noninterest income | 1,012,000 | 1,989,000 | 3,105,000 | 4,327,000 |
| Noninterest expense | 2,416,000 | 4,588,000 | 6,818,000 | 9,276,000 |
| Provision for loan losses | 150,000 | 600,000 | 1,000,000 | 1,030,000 |
| Pretax income | 1,127,000 | 2,175,000 | 3,283,000 | 4,506,000 |
| Income tax | 227,000 | 440,000 | 665,000 | 916,000 |
| Net income | 900,000 | 1,735,000 | 2,618,000 | 3,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,775,000 | 33,009,000 | 32,680,000 | 33,641,000 |