Call reports 2004
BLUE GRASS VALLEY BANK, THE — 2004
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 30,401,000 | 30,690,000 | 31,633,000 | 31,859,000 |
| Total loans | 22,734,000 | 23,254,000 | 24,780,000 | 24,618,000 |
| Allowance for loan losses | 416,000 | 406,000 | 414,000 | 462,000 |
| Securities available for sale | 0 | 4,000 | 7,000 | 0 |
| Securities held to maturity | 2,970,000 | 2,970,000 | 3,070,000 | 2,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,209,000 | 27,455,000 | 27,516,000 | 28,584,000 |
| Interest-bearing deposits | 24,332,000 | 25,152,000 | 24,796,000 | 25,432,000 |
| Noninterest-bearing deposits | 2,877,000 | 2,303,000 | 2,720,000 | 3,151,000 |
| Equity capital | 3,003,000 | 3,059,000 | 3,132,000 | 3,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 447,000 | 881,000 | 1,339,000 | 1,804,000 |
| Interest expense | 153,000 | 303,000 | 451,000 | 610,000 |
| Net interest income | 294,000 | 578,000 | 888,000 | 1,194,000 |
| Noninterest income | 19,000 | 32,000 | 51,000 | 73,000 |
| Noninterest expense | 192,000 | 392,000 | 597,000 | 825,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 135,000 |
| Pretax income | 103,000 | 182,000 | 288,000 | 307,000 |
| Income tax | 32,000 | 55,000 | 88,000 | 92,000 |
| Net income | 71,000 | 127,000 | 200,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,003,000 | 3,059,000 | 3,132,000 | 3,067,000 |
| Total capital | 3,269,000 | 3,327,000 | 3,416,000 | 3,346,000 |
| Risk-weighted assets | 21,096,000 | 21,333,000 | 22,577,000 | 22,136,000 |