Call reports 2018
BLUE GRASS VALLEY BANK, THE — 2018
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 44,658,000 | 46,939,000 | 45,143,000 | 45,504,000 |
| Total loans | 28,985,000 | 29,363,000 | 28,552,000 | 28,171,000 |
| Allowance for loan losses | 556,000 | 564,000 | 546,000 | 558,000 |
| Securities available for sale | 6,000 | 10,000 | 11,000 | 251,000 |
| Securities held to maturity | 4,150,000 | 4,300,000 | 4,300,000 | 4,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,779,000 | 41,997,000 | 40,125,000 | 40,485,000 |
| Interest-bearing deposits | 32,265,000 | 33,180,000 | 32,399,000 | 31,823,000 |
| Noninterest-bearing deposits | 7,514,000 | 8,817,000 | 7,725,000 | 8,661,000 |
| Equity capital | 4,730,000 | 4,806,000 | 4,906,000 | 4,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 461,000 | 903,000 | 1,370,000 | 1,824,000 |
| Interest expense | 59,000 | 121,000 | 184,000 | 249,000 |
| Net interest income | 402,000 | 782,000 | 1,186,000 | 1,575,000 |
| Noninterest income | 32,000 | 57,000 | 85,000 | 110,000 |
| Noninterest expense | 291,000 | 592,000 | 889,000 | 1,224,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 38,000 |
| Pretax income | 135,000 | 232,000 | 359,000 | 423,000 |
| Income tax | 28,000 | 49,000 | 75,000 | 89,000 |
| Net income | 107,000 | 183,000 | 284,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,730,000 | 4,806,000 | 4,906,000 | 4,848,000 |
| Total capital | 5,078,000 | 5,165,000 | 5,252,000 | 5,192,000 |
| Risk-weighted assets | 27,692,000 | 28,576,000 | 27,553,000 | 27,325,000 |