Call reports 2019
BLUE GRASS VALLEY BANK, THE — 2019
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 45,440,000 | 43,664,000 | 43,365,000 | 45,314,000 |
| Total loans | 28,300,000 | 28,390,000 | 28,835,000 | 28,632,000 |
| Allowance for loan losses | 441,000 | 472,000 | 496,000 | 510,000 |
| Securities available for sale | 1,000 | 0 | 0 | 0 |
| Securities held to maturity | 3,550,000 | 3,050,000 | 3,350,000 | 4,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,781,000 | 38,504,000 | 38,149,000 | 40,142,000 |
| Interest-bearing deposits | 31,593,000 | 30,939,000 | 30,660,000 | 32,034,000 |
| Noninterest-bearing deposits | 8,189,000 | 7,565,000 | 7,489,000 | 8,108,000 |
| Equity capital | 4,914,000 | 5,002,000 | 5,052,000 | 4,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 441,000 | 925,000 | 1,381,000 | 1,844,000 |
| Interest expense | 65,000 | 132,000 | 203,000 | 275,000 |
| Net interest income | 376,000 | 793,000 | 1,178,000 | 1,569,000 |
| Noninterest income | 28,000 | 52,000 | 75,000 | 103,000 |
| Noninterest expense | 306,000 | 614,000 | 938,000 | 1,281,000 |
| Provision for loan losses | 15,000 | 36,000 | 57,000 | 72,000 |
| Pretax income | 83,000 | 195,000 | 258,000 | 319,000 |
| Income tax | 17,000 | 40,000 | 54,000 | 67,000 |
| Net income | 66,000 | 155,000 | 204,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,914,000 | 5,002,000 | 5,052,000 | 4,991,000 |
| Total capital | 5,254,000 | 5,317,000 | 5,361,000 | 5,301,000 |
| Risk-weighted assets | 27,124,000 | 25,058,000 | 24,512,000 | 24,640,000 |