Call reports 2008
BLUE GRASS SAVINGS BANK — 2008
What BLUE GRASS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 163,259,000 | 168,953,000 | 170,237,000 | 173,365,000 |
| Total loans | 69,870,000 | 70,250,000 | 68,164,000 | 67,561,000 |
| Allowance for loan losses | 1,084,000 | 1,127,000 | 1,101,000 | 1,119,000 |
| Securities available for sale | 76,376,000 | 81,939,000 | 87,908,000 | 95,732,000 |
| Securities held to maturity | 1,010,000 | 874,000 | 874,000 | 543,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,420,000 | 138,068,000 | 139,948,000 | 142,087,000 |
| Interest-bearing deposits | 120,363,000 | 121,475,000 | 128,303,000 | 127,977,000 |
| Noninterest-bearing deposits | 12,057,000 | 16,593,000 | 11,645,000 | 14,110,000 |
| Equity capital | 21,154,000 | 21,252,000 | 20,797,000 | 20,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,962,000 | 3,953,000 | 6,030,000 | 8,097,000 |
| Interest expense | 1,363,000 | 2,685,000 | 4,054,000 | 5,340,000 |
| Net interest income | 599,000 | 1,268,000 | 1,976,000 | 2,757,000 |
| Noninterest income | 72,000 | 156,000 | 246,000 | 375,000 |
| Noninterest expense | 363,000 | 773,000 | 1,168,000 | 1,657,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 | 108,000 |
| Pretax income | 297,000 | 625,000 | 1,001,000 | 432,000 |
| Income tax | 87,000 | 92,000 | 181,000 | -127,000 |
| Net income | 210,000 | 533,000 | 820,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,919,000 | 21,176,000 | 21,415,000 | 21,098,000 |
| Total capital | 22,003,000 | 22,303,000 | 22,516,000 | 22,217,000 |
| Risk-weighted assets | 90,015,000 | 92,482,000 | 93,237,000 | 93,348,000 |