Call reports 2015
BLUE GRASS VALLEY BANK, THE — 2015
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 38,562,000 | 38,327,000 | 38,953,000 | 38,519,000 |
| Total loans | 28,666,000 | 29,134,000 | 28,365,000 | 27,767,000 |
| Allowance for loan losses | 680,000 | 685,000 | 661,000 | 662,000 |
| Securities available for sale | 5,000 | 2,000 | 256,000 | 104,000 |
| Securities held to maturity | 3,187,000 | 3,186,000 | 2,420,000 | 2,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,442,000 | 33,160,000 | 34,247,000 | 33,359,000 |
| Interest-bearing deposits | 28,318,000 | 27,937,000 | 27,475,000 | 27,448,000 |
| Noninterest-bearing deposits | 5,124,000 | 5,223,000 | 6,772,000 | 5,911,000 |
| Equity capital | 4,417,000 | 4,504,000 | 4,551,000 | 4,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 433,000 | 864,000 | 1,268,000 | 1,694,000 |
| Interest expense | 55,000 | 107,000 | 155,000 | 202,000 |
| Net interest income | 378,000 | 757,000 | 1,113,000 | 1,492,000 |
| Noninterest income | 30,000 | 58,000 | 80,000 | 101,000 |
| Noninterest expense | 288,000 | 564,000 | 871,000 | 1,198,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 251,000 | 322,000 | 395,000 |
| Income tax | 41,000 | 85,000 | 109,000 | 133,000 |
| Net income | 79,000 | 166,000 | 213,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,417,000 | 4,504,000 | 4,551,000 | 4,495,000 |
| Total capital | 4,744,000 | 4,840,000 | 4,887,000 | 4,822,000 |
| Risk-weighted assets | 25,864,000 | 26,551,000 | 26,612,000 | 25,874,000 |