Call reports 2011
BLUE GRASS VALLEY BANK, THE — 2011
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 35,539,000 | 36,080,000 | 34,743,000 | 35,370,000 |
| Total loans | 29,017,000 | 29,663,000 | 29,495,000 | 29,534,000 |
| Allowance for loan losses | 540,000 | 565,000 | 593,000 | 568,000 |
| Securities available for sale | 1,000 | 0 | 202,000 | 251,000 |
| Securities held to maturity | 3,016,000 | 2,766,000 | 2,317,000 | 2,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,946,000 | 30,137,000 | 30,266,000 | 31,183,000 |
| Interest-bearing deposits | 26,620,000 | 26,475,000 | 26,125,000 | 26,588,000 |
| Noninterest-bearing deposits | 4,326,000 | 3,662,000 | 4,141,000 | 4,595,000 |
| Equity capital | 3,915,000 | 3,974,000 | 4,018,000 | 3,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 953,000 | 1,425,000 | 1,893,000 |
| Interest expense | 141,000 | 272,000 | 400,000 | 517,000 |
| Net interest income | 332,000 | 681,000 | 1,025,000 | 1,376,000 |
| Noninterest income | 34,000 | 55,000 | 76,000 | 103,000 |
| Noninterest expense | 270,000 | 528,000 | 804,000 | 1,067,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 72,000 | 160,000 | 225,000 | 316,000 |
| Income tax | 23,000 | 52,000 | 73,000 | 102,000 |
| Net income | 49,000 | 108,000 | 152,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,915,000 | 3,974,000 | 4,018,000 | 3,976,000 |
| Total capital | 4,260,000 | 4,323,000 | 4,366,000 | 4,325,000 |
| Risk-weighted assets | 27,429,000 | 27,742,000 | 27,611,000 | 27,666,000 |