Call reports 2001
BLUE GRASS VALLEY BANK, THE — 2001
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 24,246,000 | 24,058,000 | 25,872,000 | 26,679,000 |
| Total loans | 17,483,000 | 18,121,000 | 18,818,000 | 19,430,000 |
| Allowance for loan losses | 350,000 | 366,000 | 382,000 | 367,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,919,000 | 2,981,000 | 2,981,000 | 3,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,640,000 | 21,132,000 | 22,898,000 | 23,789,000 |
| Interest-bearing deposits | 18,793,000 | 19,332,000 | 20,902,000 | 21,652,000 |
| Noninterest-bearing deposits | 1,847,000 | 1,801,000 | 1,997,000 | 2,138,000 |
| Equity capital | 2,674,000 | 2,700,000 | 2,733,000 | 2,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 909,000 | 1,377,000 | 1,849,000 |
| Interest expense | 240,000 | 490,000 | 747,000 | 996,000 |
| Net interest income | 206,000 | 419,000 | 630,000 | 853,000 |
| Noninterest income | 19,000 | 30,000 | 46,000 | 62,000 |
| Noninterest expense | 160,000 | 325,000 | 495,000 | 700,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 54,000 | 101,000 | 146,000 | 168,000 |
| Income tax | 16,000 | 37,000 | 49,000 | 46,000 |
| Net income | 38,000 | 64,000 | 97,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,674,000 | 2,700,000 | 2,733,000 | 2,682,000 |
| Total capital | 2,886,000 | 2,920,000 | 2,965,000 | 2,925,000 |
| Risk-weighted assets | 16,817,000 | 17,479,000 | 18,393,000 | 19,283,000 |