Call reports 2003
BLUESTONE BANK — 2003
What BLUESTONE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 246,121,000 | 261,127,000 | 278,513,000 | 270,501,000 |
| Total loans | 148,612,000 | 156,729,000 | 166,704,000 | 159,407,000 |
| Allowance for loan losses | 801,000 | 799,000 | 799,000 | 849,000 |
| Securities available for sale | 79,819,000 | 80,547,000 | 94,853,000 | 92,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,856,000 | 201,295,000 | 203,007,000 | 197,468,000 |
| Interest-bearing deposits | 177,661,000 | 177,688,000 | 177,077,000 | 175,379,000 |
| Noninterest-bearing deposits | 21,195,000 | 23,607,000 | 25,930,000 | 22,089,000 |
| Equity capital | 20,969,000 | 29,744,000 | 30,564,000 | 30,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,177,000 | 6,424,000 | 9,564,000 | 12,786,000 |
| Interest expense | 942,000 | 1,870,000 | 2,701,000 | 3,543,000 |
| Net interest income | 2,235,000 | 4,554,000 | 6,863,000 | 9,243,000 |
| Noninterest income | 821,000 | 1,502,000 | 2,637,000 | 3,528,000 |
| Noninterest expense | 2,360,000 | 4,679,000 | 7,060,000 | 9,777,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 703,000 | 1,389,000 | 2,452,000 | 3,007,000 |
| Income tax | 172,000 | 333,000 | 657,000 | 787,000 |
| Net income | 531,000 | 1,056,000 | 1,795,000 | 2,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,617,000 | 28,467,000 | 29,161,000 | 29,658,000 |
| Total capital | 20,418,000 | 29,290,000 | 29,990,000 | 30,548,000 |
| Risk-weighted assets | 127,303,000 | 133,246,000 | 136,031,000 | 136,864,000 |
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