Call reports 2007
BLUE GRASS VALLEY BANK, THE — 2007
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 33,800,000 | 34,534,000 | 34,070,000 | 33,886,000 |
| Total loans | 28,015,000 | 28,378,000 | 28,628,000 | 28,355,000 |
| Allowance for loan losses | 506,000 | 472,000 | 460,000 | 464,000 |
| Securities available for sale | 100,000 | 2,000 | 100,000 | 2,000 |
| Securities held to maturity | 2,666,000 | 2,766,000 | 2,666,000 | 2,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,063,000 | 30,667,000 | 30,137,000 | 29,975,000 |
| Interest-bearing deposits | 26,744,000 | 27,290,000 | 27,191,000 | 26,908,000 |
| Noninterest-bearing deposits | 3,320,000 | 3,377,000 | 2,946,000 | 3,067,000 |
| Equity capital | 3,511,000 | 3,617,000 | 3,705,000 | 3,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 557,000 | 1,137,000 | 1,707,000 | 2,324,000 |
| Interest expense | 235,000 | 486,000 | 737,000 | 991,000 |
| Net interest income | 322,000 | 651,000 | 970,000 | 1,333,000 |
| Noninterest income | 27,000 | 50,000 | 72,000 | 92,000 |
| Noninterest expense | 215,000 | 416,000 | 628,000 | 895,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 134,000 | 285,000 | 414,000 | 530,000 |
| Income tax | 43,000 | 88,000 | 128,000 | 165,000 |
| Net income | 91,000 | 197,000 | 286,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,511,000 | 3,617,000 | 3,705,000 | 3,680,000 |
| Total capital | 3,816,000 | 3,924,000 | 4,016,000 | 3,985,000 |
| Risk-weighted assets | 24,167,000 | 24,455,000 | 24,763,000 | 24,244,000 |