Call reports 2009
BLUE GRASS VALLEY BANK, THE — 2009
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 34,742,000 | 34,294,000 | 34,367,000 | 35,151,000 |
| Total loans | 28,990,000 | 29,623,000 | 29,222,000 | 29,501,000 |
| Allowance for loan losses | 530,000 | 527,000 | 544,000 | 539,000 |
| Securities available for sale | 23,000 | 93,000 | 178,000 | 8,000 |
| Securities held to maturity | 2,542,000 | 2,172,000 | 2,072,000 | 1,947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,696,000 | 29,412,000 | 29,467,000 | 30,341,000 |
| Interest-bearing deposits | 27,577,000 | 26,613,000 | 26,377,000 | 27,061,000 |
| Noninterest-bearing deposits | 3,119,000 | 2,800,000 | 3,090,000 | 3,280,000 |
| Equity capital | 3,834,000 | 3,882,000 | 3,916,000 | 3,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 509,000 | 1,007,000 | 1,517,000 | 2,026,000 |
| Interest expense | 222,000 | 434,000 | 632,000 | 826,000 |
| Net interest income | 287,000 | 573,000 | 885,000 | 1,200,000 |
| Noninterest income | 26,000 | 50,000 | 80,000 | 108,000 |
| Noninterest expense | 228,000 | 451,000 | 730,000 | 1,033,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 67,000 | 137,000 | 182,000 | 204,000 |
| Income tax | 19,000 | 41,000 | 52,000 | 56,000 |
| Net income | 48,000 | 96,000 | 130,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,834,000 | 3,882,000 | 3,916,000 | 3,830,000 |
| Total capital | 4,163,000 | 4,220,000 | 4,247,000 | 4,167,000 |
| Risk-weighted assets | 26,168,000 | 26,822,000 | 26,282,000 | 26,748,000 |