Call reports 2021
BLUE GRASS VALLEY BANK, THE — 2021
What BLUE GRASS VALLEY BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 52,340,000 | 54,594,000 | 54,820,000 | 55,801,000 |
| Total loans | 28,166,000 | 28,167,000 | 28,815,000 | 29,761,000 |
| Allowance for loan losses | 568,000 | 547,000 | 636,000 | 535,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,207,000 | 8,297,000 | 8,287,000 | 9,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,893,000 | 49,106,000 | 49,258,000 | 50,268,000 |
| Interest-bearing deposits | 35,735,000 | 37,714,000 | 38,242,000 | 38,620,000 |
| Noninterest-bearing deposits | 11,158,000 | 11,392,000 | 11,016,000 | 11,648,000 |
| Equity capital | 5,302,000 | 5,344,000 | 5,415,000 | 5,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 556,000 | 963,000 | 1,388,000 | 1,809,000 |
| Interest expense | 49,000 | 98,000 | 144,000 | 188,000 |
| Net interest income | 507,000 | 865,000 | 1,244,000 | 1,621,000 |
| Noninterest income | 28,000 | 58,000 | 81,000 | 105,000 |
| Noninterest expense | 320,000 | 655,000 | 967,000 | 1,331,000 |
| Provision for loan losses | 0 | 0 | 0 | -100,000 |
| Pretax income | 215,000 | 268,000 | 358,000 | 495,000 |
| Income tax | 45,000 | 56,000 | 75,000 | 111,000 |
| Net income | 170,000 | 212,000 | 283,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,302,000 | 5,344,000 | 5,415,000 | 5,393,000 |