Call reports 2023
BANK OF THE BLUEGRASS AND TRUST CO. — 2023
What BANK OF THE BLUEGRASS AND TRUST CO. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 331,888,000 | 337,749,000 | 344,338,000 | 351,625,000 |
| Total loans | 257,170,000 | 261,093,000 | 262,961,000 | 273,737,000 |
| Allowance for loan losses | 4,893,000 | 4,947,000 | 5,003,000 | 5,058,000 |
| Securities available for sale | 63,416,000 | 61,747,000 | 57,476,000 | 59,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,115,000 | 293,843,000 | 297,844,000 | 291,333,000 |
| Interest-bearing deposits | 207,353,000 | 212,535,000 | 215,595,000 | 219,074,000 |
| Noninterest-bearing deposits | 79,762,000 | 81,308,000 | 82,249,000 | 72,259,000 |
| Equity capital | 27,549,000 | 28,143,000 | 25,338,000 | 28,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,606,000 | 7,381,000 | 11,339,000 | 15,416,000 |
| Interest expense | 818,000 | 1,899,000 | 3,186,000 | 4,675,000 |
| Net interest income | 2,788,000 | 5,482,000 | 8,153,000 | 10,741,000 |
| Noninterest income | 1,155,000 | 2,268,000 | 3,351,000 | 4,571,000 |
| Noninterest expense | 2,441,000 | 4,937,000 | 7,594,000 | 10,394,000 |
| Provision for loan losses | 0 | 60,000 | 120,000 | 180,000 |
| Pretax income | 1,502,000 | 2,753,000 | 3,790,000 | 4,738,000 |
| Income tax | 382,000 | 698,000 | 960,000 | 1,198,000 |
| Net income | 1,120,000 | 2,055,000 | 2,830,000 | 3,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,349,000 | 37,254,000 | 36,467,000 | 37,148,000 |