Call reports 2008
BLUE GRASS VALLEY BANK, THE — 2008
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 34,080,000 | 33,906,000 | 33,945,000 | 34,509,000 |
| Total loans | 28,451,000 | 28,104,000 | 28,180,000 | 28,108,000 |
| Allowance for loan losses | 486,000 | 482,000 | 491,000 | 509,000 |
| Securities available for sale | 305,000 | 7,000 | 0 | 119,000 |
| Securities held to maturity | 2,466,000 | 2,767,000 | 2,768,000 | 2,546,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,084,000 | 29,908,000 | 29,902,000 | 30,514,000 |
| Interest-bearing deposits | 26,774,000 | 26,800,000 | 26,979,000 | 27,503,000 |
| Noninterest-bearing deposits | 3,310,000 | 3,108,000 | 2,923,000 | 3,011,000 |
| Equity capital | 3,748,000 | 3,810,000 | 3,864,000 | 3,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 572,000 | 1,124,000 | 1,687,000 | 2,230,000 |
| Interest expense | 245,000 | 484,000 | 723,000 | 961,000 |
| Net interest income | 327,000 | 640,000 | 964,000 | 1,269,000 |
| Noninterest income | 27,000 | 47,000 | 70,000 | 92,000 |
| Noninterest expense | 239,000 | 462,000 | 714,000 | 991,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 97,000 | 189,000 | 266,000 | 298,000 |
| Income tax | 29,000 | 59,000 | 82,000 | 87,000 |
| Net income | 68,000 | 130,000 | 184,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,748,000 | 3,810,000 | 3,864,000 | 3,786,000 |
| Total capital | 4,060,000 | 4,120,000 | 4,180,000 | 4,104,000 |
| Risk-weighted assets | 24,812,000 | 24,631,000 | 25,122,000 | 25,323,000 |