Call reports 2025
BANK OF THE BLUEGRASS AND TRUST CO. — 2025
What BANK OF THE BLUEGRASS AND TRUST CO. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 386,528,000 | 403,280,000 | 405,558,000 | 393,088,000 |
| Total loans | 297,433,000 | 295,010,000 | 297,666,000 | 308,897,000 |
| Allowance for loan losses | 4,999,000 | 4,997,000 | 5,226,000 | 5,274,000 |
| Securities available for sale | 57,559,000 | 61,455,000 | 66,241,000 | 65,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,243,000 | 351,059,000 | 356,425,000 | 332,849,000 |
| Interest-bearing deposits | 259,145,000 | 276,623,000 | 287,362,000 | 265,463,000 |
| Noninterest-bearing deposits | 76,098,000 | 74,436,000 | 69,063,000 | 67,386,000 |
| Equity capital | 31,382,000 | 33,373,000 | 34,120,000 | 35,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,827,000 | 9,966,000 | 15,291,000 | 20,752,000 |
| Interest expense | 1,791,000 | 3,774,000 | 5,759,000 | 7,636,000 |
| Net interest income | 3,036,000 | 6,192,000 | 9,532,000 | 13,116,000 |
| Noninterest income | 1,294,000 | 2,576,000 | 3,872,000 | 5,372,000 |
| Noninterest expense | 2,633,000 | 5,437,000 | 8,348,000 | 11,623,000 |
| Provision for loan losses | 0 | 0 | 225,000 | 275,000 |
| Pretax income | 1,697,000 | 3,331,000 | 4,831,000 | 6,565,000 |
| Income tax | 146,000 | 545,000 | 917,000 | 1,341,000 |
| Net income | 1,551,000 | 2,786,000 | 3,914,000 | 5,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,505,000 | 41,297,000 | 41,113,000 | 42,409,000 |