Call reports 2015
BLUE GRASS COMMUNITY BANK, INC. — 2015
What BLUE GRASS COMMUNITY BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,252,000 | 70,616,000 | 72,400,000 | 73,368,000 |
| Total loans | 47,795,000 | 49,001,000 | 53,973,000 | 55,939,000 |
| Allowance for loan losses | 500,000 | 410,000 | 429,000 | 605,000 |
| Securities available for sale | 10,779,000 | 12,454,000 | 12,194,000 | 11,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,255,000 | 59,566,000 | 61,180,000 | 61,825,000 |
| Interest-bearing deposits | 51,894,000 | 54,707,000 | 56,392,000 | 55,480,000 |
| Noninterest-bearing deposits | 4,361,000 | 4,859,000 | 4,788,000 | 6,345,000 |
| Equity capital | 6,902,000 | 6,943,000 | 7,055,000 | 6,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,383,000 | 2,136,000 | 2,921,000 |
| Interest expense | 126,000 | 259,000 | 400,000 | 546,000 |
| Net interest income | 558,000 | 1,124,000 | 1,736,000 | 2,375,000 |
| Noninterest income | 33,000 | 87,000 | 132,000 | 173,000 |
| Noninterest expense | 470,000 | 982,000 | 1,541,000 | 2,253,000 |
| Provision for loan losses | 40,000 | 41,000 | 66,000 | 243,000 |
| Pretax income | 81,000 | 188,000 | 261,000 | 52,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 81,000 | 188,000 | 261,000 | 52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,806,000 | 6,943,000 | 6,986,000 | 6,779,000 |
| Total capital | 7,306,000 | 7,353,000 | 7,415,000 | 7,384,000 |
| Risk-weighted assets | 44,455,000 | 46,494,000 | 49,462,000 | 50,372,000 |