Call reports 2015
BLUE GRASS SAVINGS BANK — 2015
What BLUE GRASS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 182,883,000 | 185,186,000 | 185,973,000 | 187,788,000 |
| Total loans | 91,353,000 | 95,241,000 | 93,562,000 | 92,840,000 |
| Allowance for loan losses | 1,471,000 | 1,554,000 | 1,623,000 | 1,915,000 |
| Securities available for sale | 73,067,000 | 69,337,000 | 68,768,000 | 73,904,000 |
| Securities held to maturity | 8,667,000 | 8,547,000 | 8,439,000 | 8,327,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,452,000 | 143,416,000 | 143,992,000 | 144,929,000 |
| Interest-bearing deposits | 129,500,000 | 129,498,000 | 129,357,000 | 129,479,000 |
| Noninterest-bearing deposits | 12,952,000 | 13,918,000 | 14,635,000 | 15,450,000 |
| Equity capital | 27,119,000 | 27,264,000 | 27,536,000 | 27,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,490,000 | 2,972,000 | 4,504,000 | 6,051,000 |
| Interest expense | 364,000 | 745,000 | 1,147,000 | 1,551,000 |
| Net interest income | 1,126,000 | 2,227,000 | 3,357,000 | 4,500,000 |
| Noninterest income | 186,000 | 273,000 | 379,000 | 561,000 |
| Noninterest expense | 534,000 | 1,018,000 | 1,532,000 | 2,190,000 |
| Provision for loan losses | 110,000 | 185,000 | 610,000 | 385,000 |
| Pretax income | 668,000 | 1,297,000 | 1,594,000 | 2,486,000 |
| Income tax | 194,000 | 375,000 | 434,000 | 712,000 |
| Net income | 474,000 | 922,000 | 1,160,000 | 1,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,528,000 | 26,930,000 | 27,122,000 | 27,581,000 |
| Total capital | 27,981,000 | 28,387,000 | 28,462,000 | 28,923,000 |
| Risk-weighted assets | 116,246,000 | 116,436,000 | 106,944,000 | 106,660,000 |