Call reports 2017
BLUE GRASS VALLEY BANK, THE — 2017
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 42,273,000 | 43,204,000 | 43,335,000 | 44,281,000 |
| Total loans | 27,248,000 | 28,667,000 | 28,713,000 | 29,176,000 |
| Allowance for loan losses | 542,000 | 554,000 | 548,000 | 543,000 |
| Securities available for sale | 18,000 | 15,000 | 17,000 | 4,000 |
| Securities held to maturity | 3,200,000 | 3,200,000 | 3,200,000 | 3,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,465,000 | 37,825,000 | 38,413,000 | 39,507,000 |
| Interest-bearing deposits | 31,230,000 | 30,896,000 | 31,744,000 | 32,333,000 |
| Noninterest-bearing deposits | 6,235,000 | 6,929,000 | 6,669,000 | 7,174,000 |
| Equity capital | 4,658,000 | 4,723,000 | 4,799,000 | 4,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 402,000 | 838,000 | 1,273,000 | 1,702,000 |
| Interest expense | 44,000 | 88,000 | 135,000 | 189,000 |
| Net interest income | 358,000 | 750,000 | 1,138,000 | 1,513,000 |
| Noninterest income | 33,000 | 56,000 | 81,000 | 104,000 |
| Noninterest expense | 294,000 | 605,000 | 895,000 | 1,228,000 |
| Provision for loan losses | 0 | 7,000 | 15,000 | 23,000 |
| Pretax income | 97,000 | 194,000 | 309,000 | 366,000 |
| Income tax | 33,000 | 65,000 | 104,000 | 239,000 |
| Net income | 64,000 | 129,000 | 205,000 | 127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,658,000 | 4,723,000 | 4,799,000 | 4,617,000 |
| Total capital | 4,989,000 | 5,068,000 | 5,142,000 | 4,966,000 |
| Risk-weighted assets | 26,308,000 | 27,437,000 | 27,280,000 | 27,758,000 |