Call reports 2003
BLUE GRASS SAVINGS BANK — 2003
What BLUE GRASS SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 139,050,000 | 142,585,000 | 142,482,000 | 145,647,000 |
| Total loans | 55,528,000 | 56,066,000 | 55,024,000 | 54,886,000 |
| Allowance for loan losses | 891,000 | 910,000 | 985,000 | 985,000 |
| Securities available for sale | 66,895,000 | 69,602,000 | 72,874,000 | 80,940,000 |
| Securities held to maturity | 6,229,000 | 5,357,000 | 6,035,000 | 4,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,867,000 | 117,821,000 | 118,794,000 | 121,034,000 |
| Interest-bearing deposits | 108,495,000 | 111,895,000 | 112,021,000 | 112,056,000 |
| Noninterest-bearing deposits | 6,372,000 | 5,926,000 | 6,774,000 | 8,979,000 |
| Equity capital | 22,924,000 | 23,232,000 | 22,766,000 | 23,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,700,000 | 3,410,000 | 4,953,000 | 6,662,000 |
| Interest expense | 930,000 | 1,856,000 | 2,765,000 | 3,600,000 |
| Net interest income | 770,000 | 1,554,000 | 2,188,000 | 3,062,000 |
| Noninterest income | 56,000 | 106,000 | 202,000 | 256,000 |
| Noninterest expense | 292,000 | 582,000 | 889,000 | 1,247,000 |
| Provision for loan losses | 47,000 | 79,000 | 155,000 | 231,000 |
| Pretax income | 515,000 | 1,074,000 | 1,484,000 | 1,979,000 |
| Income tax | 123,000 | 325,000 | 416,000 | 537,000 |
| Net income | 392,000 | 749,000 | 1,068,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,111,000 | 22,446,000 | 22,742,000 | 23,071,000 |
| Total capital | 23,002,000 | 23,356,000 | 23,727,000 | 24,056,000 |
| Risk-weighted assets | 80,767,000 | 80,423,000 | 81,372,000 | 80,987,000 |