Call reports 2005
BLUE GRASS SAVINGS BANK — 2005
What BLUE GRASS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 145,189,000 | 147,494,000 | 145,802,000 | 146,039,000 |
| Total loans | 57,003,000 | 57,928,000 | 59,293,000 | 58,154,000 |
| Allowance for loan losses | 957,000 | 948,000 | 999,000 | 924,000 |
| Securities available for sale | 80,226,000 | 81,915,000 | 78,738,000 | 77,444,000 |
| Securities held to maturity | 1,685,000 | 1,652,000 | 1,397,000 | 1,404,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,280,000 | 120,924,000 | 119,527,000 | 119,617,000 |
| Interest-bearing deposits | 113,435,000 | 113,752,000 | 112,313,000 | 111,443,000 |
| Noninterest-bearing deposits | 6,845,000 | 7,172,000 | 7,214,000 | 8,174,000 |
| Equity capital | 22,959,000 | 23,878,000 | 24,079,000 | 23,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,667,000 | 3,343,000 | 5,044,000 | 6,792,000 |
| Interest expense | 789,000 | 1,637,000 | 2,525,000 | 3,452,000 |
| Net interest income | 878,000 | 1,706,000 | 2,519,000 | 3,340,000 |
| Noninterest income | 42,000 | 109,000 | 213,000 | 312,000 |
| Noninterest expense | 303,000 | 593,000 | 906,000 | 1,401,000 |
| Provision for loan losses | 54,000 | 108,000 | 162,000 | 216,000 |
| Pretax income | 563,000 | 1,114,000 | 1,663,000 | 1,925,000 |
| Income tax | 146,000 | 291,000 | 437,000 | 379,000 |
| Net income | 417,000 | 823,000 | 1,226,000 | 1,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,726,000 | 24,107,000 | 24,468,000 | 24,735,000 |
| Total capital | 24,683,000 | 25,055,000 | 25,467,000 | 25,659,000 |
| Risk-weighted assets | 77,814,000 | 78,457,000 | 79,535,000 | 79,117,000 |