Call reports 2005
BLUE GRASS VALLEY BANK, THE — 2005
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 31,119,000 | 31,611,000 | 33,562,000 | 32,972,000 |
| Total loans | 24,820,000 | 25,578,000 | 25,543,000 | 26,092,000 |
| Allowance for loan losses | 400,000 | 381,000 | 405,000 | 419,000 |
| Securities available for sale | 0 | 0 | 0 | 105,000 |
| Securities held to maturity | 2,960,000 | 2,959,000 | 2,959,000 | 2,853,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,781,000 | 28,213,000 | 30,084,000 | 29,526,000 |
| Interest-bearing deposits | 24,894,000 | 25,040,000 | 26,390,000 | 26,118,000 |
| Noninterest-bearing deposits | 2,887,000 | 3,173,000 | 3,694,000 | 3,408,000 |
| Equity capital | 3,131,000 | 3,203,000 | 3,268,000 | 3,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 454,000 | 914,000 | 1,409,000 | 1,918,000 |
| Interest expense | 157,000 | 319,000 | 507,000 | 709,000 |
| Net interest income | 297,000 | 595,000 | 902,000 | 1,209,000 |
| Noninterest income | 20,000 | 37,000 | 57,000 | 75,000 |
| Noninterest expense | 208,000 | 401,000 | 616,000 | 846,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 91,000 | 195,000 | 289,000 | 366,000 |
| Income tax | 27,000 | 60,000 | 89,000 | 110,000 |
| Net income | 64,000 | 135,000 | 200,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,131,000 | 3,203,000 | 3,268,000 | 3,234,000 |
| Total capital | 3,476,000 | 3,484,000 | 3,552,000 | 3,522,000 |
| Risk-weighted assets | 27,527,000 | 22,404,000 | 22,598,000 | 22,893,000 |