Call reports 2016
BLUE GRASS VALLEY BANK, THE — 2016
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 37,980,000 | 37,644,000 | 39,115,000 | 42,632,000 |
| Total loans | 27,204,000 | 27,926,000 | 27,961,000 | 28,045,000 |
| Allowance for loan losses | 666,000 | 642,000 | 643,000 | 562,000 |
| Securities available for sale | 3,000 | 250,000 | 23,000 | 19,000 |
| Securities held to maturity | 2,220,000 | 2,220,000 | 2,450,000 | 3,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,237,000 | 32,887,000 | 34,311,000 | 37,867,000 |
| Interest-bearing deposits | 27,674,000 | 27,861,000 | 28,472,000 | 30,766,000 |
| Noninterest-bearing deposits | 5,563,000 | 5,026,000 | 5,839,000 | 7,101,000 |
| Equity capital | 4,574,000 | 4,630,000 | 4,646,000 | 4,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 421,000 | 809,000 | 1,224,000 | 1,625,000 |
| Interest expense | 44,000 | 88,000 | 132,000 | 178,000 |
| Net interest income | 377,000 | 721,000 | 1,092,000 | 1,447,000 |
| Noninterest income | 32,000 | 55,000 | -3,000 | 20,000 |
| Noninterest expense | 291,000 | 574,000 | 865,000 | 1,167,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 118,000 | 203,000 | 224,000 | 301,000 |
| Income tax | 40,000 | 69,000 | 74,000 | 98,000 |
| Net income | 78,000 | 134,000 | 150,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,574,000 | 4,630,000 | 4,646,000 | 4,594,000 |
| Total capital | 4,895,000 | 4,956,000 | 4,976,000 | 4,934,000 |
| Risk-weighted assets | 25,399,000 | 25,833,000 | 26,066,000 | 27,008,000 |