Call reports 2002
BLUE GRASS VALLEY BANK, THE — 2002
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 27,264,000 | 28,068,000 | 29,049,000 | 29,511,000 |
| Total loans | 20,152,000 | 21,379,000 | 21,891,000 | 21,451,000 |
| Allowance for loan losses | 393,000 | 341,000 | 365,000 | 372,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,814,000 | 3,614,000 | 3,514,000 | 3,872,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,310,000 | 25,051,000 | 25,971,000 | 26,489,000 |
| Interest-bearing deposits | 22,406,000 | 22,958,000 | 23,704,000 | 24,176,000 |
| Noninterest-bearing deposits | 1,904,000 | 2,093,000 | 2,267,000 | 2,313,000 |
| Equity capital | 2,718,000 | 2,776,000 | 2,830,000 | 2,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 457,000 | 947,000 | 1,433,000 | 1,907,000 |
| Interest expense | 226,000 | 448,000 | 665,000 | 870,000 |
| Net interest income | 231,000 | 499,000 | 768,000 | 1,037,000 |
| Noninterest income | 15,000 | 26,000 | 42,000 | 67,000 |
| Noninterest expense | 190,000 | 374,000 | 567,000 | 783,000 |
| Provision for loan losses | 12,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 45,000 | 127,000 | 204,000 | 267,000 |
| Income tax | 9,000 | 33,000 | 56,000 | 77,000 |
| Net income | 36,000 | 94,000 | 148,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,718,000 | 2,776,000 | 2,830,000 | 2,792,000 |
| Total capital | 2,969,000 | 3,040,000 | 3,101,000 | 3,051,000 |
| Risk-weighted assets | 19,910,000 | 21,021,000 | 21,566,000 | 20,597,000 |