Call reports 2013
BLUE GRASS COMMUNITY BANK, INC. — 2013
What BLUE GRASS COMMUNITY BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 55,249,000 | 56,534,000 | 58,862,000 | 60,671,000 |
| Total loans | 38,231,000 | 40,802,000 | 42,671,000 | 43,340,000 |
| Allowance for loan losses | 393,000 | 409,000 | 440,000 | 470,000 |
| Securities available for sale | 11,516,000 | 10,224,000 | 9,201,000 | 10,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,864,000 | 47,376,000 | 49,649,000 | 50,293,000 |
| Interest-bearing deposits | 43,356,000 | 44,711,000 | 46,771,000 | 47,028,000 |
| Noninterest-bearing deposits | 3,508,000 | 2,665,000 | 2,878,000 | 3,265,000 |
| Equity capital | 6,652,000 | 6,431,000 | 6,473,000 | 6,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 602,000 | 1,240,000 | 1,892,000 | 2,567,000 |
| Interest expense | 137,000 | 276,000 | 420,000 | 565,000 |
| Net interest income | 465,000 | 964,000 | 1,472,000 | 2,002,000 |
| Noninterest income | 28,000 | 57,000 | 97,000 | 169,000 |
| Noninterest expense | 421,000 | 841,000 | 1,304,000 | 1,749,000 |
| Provision for loan losses | 15,000 | 41,000 | 71,000 | 101,000 |
| Pretax income | 57,000 | 139,000 | 194,000 | 321,000 |
| Income tax | -19,000 | -47,000 | -66,000 | 0 |
| Net income | 76,000 | 186,000 | 260,000 | 321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,431,000 | 6,557,000 | 6,647,000 | 6,724,000 |
| Total capital | 6,824,000 | 6,966,000 | 7,087,000 | 7,194,000 |
| Risk-weighted assets | 36,729,000 | 38,524,000 | 39,483,000 | 40,257,000 |