Call reports 2006
BLUE GRASS VALLEY BANK, THE — 2006
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 32,672,000 | 33,797,000 | 33,068,000 | 32,283,000 |
| Total loans | 27,079,000 | 27,161,000 | 26,677,000 | 27,296,000 |
| Allowance for loan losses | 449,000 | 460,000 | 494,000 | 493,000 |
| Securities available for sale | 107,000 | 2,000 | 4,000 | 83,000 |
| Securities held to maturity | 2,753,000 | 2,552,000 | 2,652,000 | 2,767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,161,000 | 30,229,000 | 29,395,000 | 28,662,000 |
| Interest-bearing deposits | 25,755,000 | 27,164,000 | 26,152,000 | 25,565,000 |
| Noninterest-bearing deposits | 3,406,000 | 3,065,000 | 3,243,000 | 3,097,000 |
| Equity capital | 3,296,000 | 3,385,000 | 3,472,000 | 3,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 491,000 | 1,012,000 | 1,570,000 | 2,109,000 |
| Interest expense | 196,000 | 403,000 | 631,000 | 859,000 |
| Net interest income | 295,000 | 609,000 | 939,000 | 1,250,000 |
| Noninterest income | 26,000 | 48,000 | 71,000 | 93,000 |
| Noninterest expense | 214,000 | 420,000 | 645,000 | 912,000 |
| Provision for loan losses | 18,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | 89,000 | 219,000 | 347,000 | 413,000 |
| Income tax | 27,000 | 68,000 | 108,000 | 128,000 |
| Net income | 62,000 | 151,000 | 239,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,296,000 | 3,385,000 | 3,472,000 | 3,419,000 |
| Total capital | 3,590,000 | 3,681,000 | 3,764,000 | 3,716,000 |
| Risk-weighted assets | 23,391,000 | 23,540,000 | 23,127,000 | 23,538,000 |