Call reports 2014
BLUE GRASS COMMUNITY BANK, INC. — 2014
What BLUE GRASS COMMUNITY BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 60,089,000 | 64,485,000 | 63,885,000 | 64,253,000 |
| Total loans | 44,336,000 | 45,839,000 | 46,402,000 | 48,088,000 |
| Allowance for loan losses | 480,000 | 511,000 | 540,000 | 459,000 |
| Securities available for sale | 11,492,000 | 10,909,000 | 10,917,000 | 10,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,623,000 | 53,765,000 | 53,013,000 | 53,256,000 |
| Interest-bearing deposits | 46,869,000 | 49,750,000 | 49,089,000 | 48,227,000 |
| Noninterest-bearing deposits | 2,754,000 | 4,015,000 | 3,924,000 | 5,029,000 |
| Equity capital | 6,672,000 | 6,963,000 | 7,145,000 | 6,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 629,000 | 1,303,000 | 1,990,000 | 2,697,000 |
| Interest expense | 142,000 | 278,000 | 413,000 | 541,000 |
| Net interest income | 487,000 | 1,025,000 | 1,577,000 | 2,156,000 |
| Noninterest income | 38,000 | 94,000 | 144,000 | 172,000 |
| Noninterest expense | 461,000 | 894,000 | 1,339,000 | 1,774,000 |
| Provision for loan losses | 10,000 | 41,000 | 70,000 | 486,000 |
| Pretax income | 54,000 | 185,000 | 315,000 | 71,000 |
| Income tax | 0 | -62,000 | -107,000 | 0 |
| Net income | 54,000 | 247,000 | 422,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,789,000 | 6,981,000 | 7,156,000 | 6,806,000 |
| Total capital | 7,269,000 | 7,491,000 | 7,689,000 | 7,265,000 |
| Risk-weighted assets | 41,013,000 | 42,410,000 | 42,659,000 | 43,622,000 |