Call reports 2005
BLUESTONE BANK — 2005
What BLUESTONE 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 | 338,878,000 | 345,488,000 | 360,782,000 | 366,409,000 |
| Total loans | 230,880,000 | 238,780,000 | 258,985,000 | 264,823,000 |
| Allowance for loan losses | 906,000 | 995,000 | 1,052,000 | 1,179,000 |
| Securities available for sale | 86,731,000 | 83,414,000 | 76,442,000 | 75,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,038,000 | 249,835,000 | 257,983,000 | 258,077,000 |
| Interest-bearing deposits | 232,019,000 | 222,305,000 | 230,432,000 | 232,402,000 |
| Noninterest-bearing deposits | 11,019,000 | 27,530,000 | 27,551,000 | 25,675,000 |
| Equity capital | 32,726,000 | 32,708,000 | 32,451,000 | 32,669,000 |
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 | 4,026,000 | 8,514,000 | 13,260,000 | 18,269,000 |
| Interest expense | 1,203,000 | 2,721,000 | 4,461,000 | 6,493,000 |
| Net interest income | 2,823,000 | 5,793,000 | 8,799,000 | 11,776,000 |
| Noninterest income | 903,000 | 2,033,000 | 2,979,000 | 3,951,000 |
| Noninterest expense | 3,222,000 | 6,503,000 | 10,350,000 | 13,518,000 |
| Provision for loan losses | 55,000 | 145,000 | 201,000 | 326,000 |
| Pretax income | 454,000 | 1,173,000 | 1,221,000 | 1,902,000 |
| Income tax | 55,000 | 205,000 | 58,000 | 298,000 |
| Net income | 399,000 | 968,000 | 1,163,000 | 1,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,079,000 | 31,648,000 | 31,844,000 | 32,285,000 |
| Total capital | 33,107,000 | 32,740,000 | 33,043,000 | 33,615,000 |
| Risk-weighted assets | 195,245,000 | 207,037,000 | 220,271,000 | 224,086,000 |
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