Call reports 2010
BLUE GRASS VALLEY BANK, THE — 2010
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 34,708,000 | 34,429,000 | 34,985,000 | 36,017,000 |
| Total loans | 29,256,000 | 28,989,000 | 28,233,000 | 28,181,000 |
| Allowance for loan losses | 555,000 | 532,000 | 544,000 | 517,000 |
| Securities available for sale | 0 | 250,000 | 102,000 | 0 |
| Securities held to maturity | 1,947,000 | 1,448,000 | 1,949,000 | 2,818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,840,000 | 30,351,000 | 30,821,000 | 31,958,000 |
| Interest-bearing deposits | 26,574,000 | 27,269,000 | 27,284,000 | 27,154,000 |
| Noninterest-bearing deposits | 3,266,000 | 3,082,000 | 3,537,000 | 4,804,000 |
| Equity capital | 3,875,000 | 3,899,000 | 3,964,000 | 3,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 495,000 | 952,000 | 1,479,000 | 1,944,000 |
| Interest expense | 183,000 | 350,000 | 511,000 | 663,000 |
| Net interest income | 312,000 | 602,000 | 968,000 | 1,281,000 |
| Noninterest income | 34,000 | 56,000 | 74,000 | 93,000 |
| Noninterest expense | 263,000 | 526,000 | 794,000 | 1,108,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 65,000 | 96,000 | 194,000 | 194,000 |
| Income tax | 20,000 | 27,000 | 60,000 | 54,000 |
| Net income | 45,000 | 69,000 | 134,000 | 140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,875,000 | 3,899,000 | 3,964,000 | 3,866,000 |
| Total capital | 4,211,000 | 4,239,000 | 4,296,000 | 4,206,000 |
| Risk-weighted assets | 26,663,000 | 27,027,000 | 26,375,000 | 26,999,000 |