Call reports 2012
BLUE GRASS VALLEY BANK, THE — 2012
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 35,700,000 | 36,657,000 | 36,612,000 | 38,043,000 |
| Total loans | 30,325,000 | 31,113,000 | 30,959,000 | 30,524,000 |
| Allowance for loan losses | 601,000 | 623,000 | 626,000 | 627,000 |
| Securities available for sale | 91,000 | 192,000 | 343,000 | 0 |
| Securities held to maturity | 1,967,000 | 1,867,000 | 1,617,000 | 2,367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,475,000 | 31,923,000 | 32,322,000 | 33,805,000 |
| Interest-bearing deposits | 27,451,000 | 28,192,000 | 28,179,000 | 28,851,000 |
| Noninterest-bearing deposits | 4,024,000 | 3,731,000 | 4,143,000 | 4,954,000 |
| Equity capital | 4,044,000 | 4,102,000 | 4,146,000 | 4,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 474,000 | 940,000 | 1,406,000 | 1,874,000 |
| Interest expense | 111,000 | 216,000 | 317,000 | 407,000 |
| Net interest income | 363,000 | 724,000 | 1,089,000 | 1,467,000 |
| Noninterest income | 35,000 | 57,000 | 77,000 | 98,000 |
| Noninterest expense | 271,000 | 547,000 | 845,000 | 1,156,000 |
| Provision for loan losses | 24,000 | 45,000 | 66,000 | 87,000 |
| Pretax income | 103,000 | 191,000 | 257,000 | 323,000 |
| Income tax | 35,000 | 65,000 | 87,000 | 115,000 |
| Net income | 68,000 | 126,000 | 170,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,044,000 | 4,102,000 | 4,146,000 | 4,080,000 |
| Total capital | 4,397,000 | 4,466,000 | 4,509,000 | 4,440,000 |
| Risk-weighted assets | 28,008,000 | 28,834,000 | 28,828,000 | 28,562,000 |