Call reports 2006
BLUE GRASS SAVINGS BANK — 2006
What BLUE GRASS SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 145,975,000 | 143,722,000 | 144,708,000 | 149,852,000 |
| Total loans | 60,905,000 | 61,296,000 | 62,097,000 | 68,715,000 |
| Allowance for loan losses | 984,000 | 1,034,000 | 1,046,000 | 1,031,000 |
| Securities available for sale | 77,544,000 | 72,621,000 | 72,431,000 | 70,844,000 |
| Securities held to maturity | 1,154,000 | 1,125,000 | 1,036,000 | 1,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,627,000 | 117,991,000 | 117,861,000 | 122,208,000 |
| Interest-bearing deposits | 110,250,000 | 109,803,000 | 109,916,000 | 113,771,000 |
| Noninterest-bearing deposits | 7,377,000 | 8,188,000 | 7,945,000 | 8,436,000 |
| Equity capital | 23,889,000 | 23,471,000 | 24,423,000 | 24,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,744,000 | 3,581,000 | 5,370,000 | 7,368,000 |
| Interest expense | 953,000 | 1,994,000 | 3,075,000 | 4,256,000 |
| Net interest income | 791,000 | 1,587,000 | 2,295,000 | 3,112,000 |
| Noninterest income | 100,000 | 177,000 | 259,000 | 348,000 |
| Noninterest expense | 314,000 | 766,000 | 1,164,000 | 1,626,000 |
| Provision for loan losses | 54,000 | 108,000 | 162,000 | 216,000 |
| Pretax income | 419,000 | 709,000 | 1,052,000 | 1,442,000 |
| Income tax | 54,000 | 171,000 | 169,000 | 181,000 |
| Net income | 365,000 | 538,000 | 883,000 | 1,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,764,000 | 24,636,000 | 24,938,000 | 25,263,000 |
| Total capital | 25,748,000 | 25,647,000 | 25,954,000 | 26,294,000 |
| Risk-weighted assets | 81,381,000 | 80,839,000 | 81,258,000 | 86,739,000 |