Call reports 2004
BLUE GRASS SAVINGS BANK — 2004
What BLUE GRASS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 145,244,000 | 143,862,000 | 144,403,000 | 144,920,000 |
| Total loans | 54,300,000 | 56,124,000 | 55,485,000 | 54,582,000 |
| Allowance for loan losses | 843,000 | 882,000 | 949,000 | 928,000 |
| Securities available for sale | 77,955,000 | 80,411,000 | 83,030,000 | 82,946,000 |
| Securities held to maturity | 3,073,000 | 2,913,000 | 2,832,000 | 1,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,023,000 | 118,759,000 | 118,219,000 | 119,437,000 |
| Interest-bearing deposits | 112,715,000 | 112,170,000 | 111,357,000 | 110,799,000 |
| Noninterest-bearing deposits | 6,308,000 | 6,590,000 | 6,861,000 | 8,638,000 |
| Equity capital | 24,258,000 | 23,275,000 | 24,436,000 | 23,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,713,000 | 3,259,000 | 4,944,000 | 6,608,000 |
| Interest expense | 809,000 | 1,605,000 | 2,391,000 | 3,183,000 |
| Net interest income | 904,000 | 1,654,000 | 2,553,000 | 3,425,000 |
| Noninterest income | 41,000 | 98,000 | 148,000 | 210,000 |
| Noninterest expense | 270,000 | 546,000 | 850,000 | 1,550,000 |
| Provision for loan losses | 80,000 | 135,000 | 195,000 | 255,000 |
| Pretax income | 671,000 | 1,167,000 | 1,760,000 | 1,935,000 |
| Income tax | 69,000 | 272,000 | 542,000 | 417,000 |
| Net income | 602,000 | 895,000 | 1,218,000 | 1,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,698,000 | 23,961,000 | 24,261,000 | 23,379,000 |
| Total capital | 24,541,000 | 24,843,000 | 25,210,000 | 24,307,000 |
| Risk-weighted assets | 77,493,000 | 80,521,000 | 76,863,000 | 76,810,000 |