Call reports 2003
BLUE GRASS VALLEY BANK, THE — 2003
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 30,237,000 | 29,458,000 | 29,650,000 | 30,004,000 |
| Total loans | 21,838,000 | 22,926,000 | 22,646,000 | 22,292,000 |
| Allowance for loan losses | 393,000 | 422,000 | 438,000 | 374,000 |
| Securities available for sale | 0 | 0 | 0 | 205,000 |
| Securities held to maturity | 3,421,000 | 3,221,000 | 2,971,000 | 2,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,187,000 | 26,364,000 | 26,656,000 | 26,911,000 |
| Interest-bearing deposits | 24,809,000 | 24,108,000 | 24,006,000 | 24,103,000 |
| Noninterest-bearing deposits | 2,378,000 | 2,256,000 | 2,650,000 | 2,808,000 |
| Equity capital | 2,854,000 | 2,910,000 | 2,825,000 | 2,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 457,000 | 911,000 | 1,357,000 | 1,805,000 |
| Interest expense | 194,000 | 379,000 | 551,000 | 715,000 |
| Net interest income | 263,000 | 532,000 | 806,000 | 1,090,000 |
| Noninterest income | 19,000 | 34,000 | 50,000 | 64,000 |
| Noninterest expense | 176,000 | 363,000 | 568,000 | 778,000 |
| Provision for loan losses | 18,000 | 36,000 | 254,000 | 80,000 |
| Pretax income | 88,000 | 167,000 | 34,000 | 296,000 |
| Income tax | 26,000 | 49,000 | 1,000 | 84,000 |
| Net income | 62,000 | 118,000 | 33,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,854,000 | 2,910,000 | 2,825,000 | 2,925,000 |
| Total capital | 3,120,000 | 3,180,000 | 3,092,000 | 3,186,000 |
| Risk-weighted assets | 21,169,000 | 21,483,000 | 21,209,000 | 21,000,000 |