Call reports 2014
BLUE GRASS VALLEY BANK, THE — 2014
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 37,390,000 | 37,803,000 | 37,869,000 | 38,804,000 |
| Total loans | 29,463,000 | 29,992,000 | 29,338,000 | 28,785,000 |
| Allowance for loan losses | 702,000 | 716,000 | 709,000 | 669,000 |
| Securities available for sale | 1,000 | 1,000 | 35,000 | 404,000 |
| Securities held to maturity | 3,618,000 | 3,368,000 | 3,135,000 | 3,237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,983,000 | 33,338,000 | 33,329,000 | 33,797,000 |
| Interest-bearing deposits | 28,281,000 | 29,034,000 | 27,798,000 | 28,790,000 |
| Noninterest-bearing deposits | 4,702,000 | 4,304,000 | 5,531,000 | 5,007,000 |
| Equity capital | 4,243,000 | 4,315,000 | 4,385,000 | 4,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 433,000 | 896,000 | 1,353,000 | 1,797,000 |
| Interest expense | 64,000 | 126,000 | 186,000 | 244,000 |
| Net interest income | 369,000 | 770,000 | 1,167,000 | 1,553,000 |
| Noninterest income | 45,000 | 67,000 | 90,000 | 113,000 |
| Noninterest expense | 298,000 | 600,000 | 914,000 | 1,241,000 |
| Provision for loan losses | 12,000 | 24,000 | 24,000 | 24,000 |
| Pretax income | 104,000 | 213,000 | 319,000 | 402,000 |
| Income tax | 35,000 | 72,000 | 107,000 | 134,000 |
| Net income | 69,000 | 141,000 | 212,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,243,000 | 4,315,000 | 4,385,000 | 4,337,000 |
| Total capital | 4,587,000 | 4,666,000 | 4,728,000 | 4,683,000 |
| Risk-weighted assets | 27,161,000 | 27,711,000 | 27,083,000 | 27,312,000 |