Call reports 2013
BLUE GRASS VALLEY BANK, THE — 2013
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 36,844,000 | 36,556,000 | 38,218,000 | 39,742,000 |
| Total loans | 30,300,000 | 30,423,000 | 29,406,000 | 29,297,000 |
| Allowance for loan losses | 648,000 | 666,000 | 687,000 | 674,000 |
| Securities available for sale | 100,000 | 101,000 | 1,000 | 1,000 |
| Securities held to maturity | 2,268,000 | 2,167,000 | 2,618,000 | 3,367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,564,000 | 32,200,000 | 33,840,000 | 33,441,000 |
| Interest-bearing deposits | 27,932,000 | 28,075,000 | 28,695,000 | 28,427,000 |
| Noninterest-bearing deposits | 4,632,000 | 4,125,000 | 5,145,000 | 5,014,000 |
| Equity capital | 4,149,000 | 4,207,000 | 4,247,000 | 4,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 447,000 | 905,000 | 1,359,000 | 1,800,000 |
| Interest expense | 81,000 | 157,000 | 231,000 | 298,000 |
| Net interest income | 366,000 | 748,000 | 1,128,000 | 1,502,000 |
| Noninterest income | 36,000 | 56,000 | 59,000 | 81,000 |
| Noninterest expense | 277,000 | 571,000 | 873,000 | 1,199,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 104,000 | 191,000 | 251,000 | 300,000 |
| Income tax | 35,000 | 64,000 | 84,000 | 102,000 |
| Net income | 69,000 | 127,000 | 167,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,149,000 | 4,207,000 | 4,247,000 | 4,174,000 |
| Total capital | 4,503,000 | 4,561,000 | 4,594,000 | 4,523,000 |
| Risk-weighted assets | 28,040,000 | 28,035,000 | 27,410,000 | 27,628,000 |