Call reports 2020
BLUE GRASS VALLEY BANK, THE — 2020
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 44,963,000 | 46,809,000 | 48,701,000 | 51,043,000 |
| Total loans | 28,716,000 | 28,850,000 | 28,099,000 | 27,255,000 |
| Allowance for loan losses | 524,000 | 545,000 | 546,000 | 557,000 |
| Securities available for sale | 0 | 0 | 200,000 | 0 |
| Securities held to maturity | 3,100,000 | 2,600,000 | 2,800,000 | 3,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,738,000 | 41,519,000 | 43,327,000 | 45,765,000 |
| Interest-bearing deposits | 31,814,000 | 33,255,000 | 34,455,000 | 35,395,000 |
| Noninterest-bearing deposits | 7,924,000 | 8,264,000 | 8,872,000 | 10,370,000 |
| Equity capital | 5,067,000 | 5,149,000 | 5,212,000 | 5,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 459,000 | 914,000 | 1,355,000 | 1,774,000 |
| Interest expense | 72,000 | 140,000 | 207,000 | 266,000 |
| Net interest income | 387,000 | 774,000 | 1,148,000 | 1,508,000 |
| Noninterest income | 28,000 | 48,000 | 70,000 | 90,000 |
| Noninterest expense | 312,000 | 606,000 | 916,000 | 1,252,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 23,000 |
| Pretax income | 95,000 | 201,000 | 280,000 | 323,000 |
| Income tax | 19,000 | 43,000 | 59,000 | 68,000 |
| Net income | 76,000 | 158,000 | 221,000 | 255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,067,000 | 5,149,000 | 5,212,000 | 5,132,000 |
| Total capital | 5,375,000 | — | — | — |
| Risk-weighted assets | 24,481,000 | — | — | — |