Call reports 2007
BLUESTONE BANK — 2007
What BLUESTONE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 370,296,000 | 369,676,000 | 400,926,000 | 389,672,000 |
| Total loans | 267,129,000 | 268,993,000 | 272,846,000 | 274,671,000 |
| Allowance for loan losses | 1,602,000 | 1,530,000 | 1,575,000 | 1,570,000 |
| Securities available for sale | 73,267,000 | 74,056,000 | 97,766,000 | 88,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,878,000 | 304,750,000 | 308,800,000 | 281,338,000 |
| Interest-bearing deposits | 290,484,000 | 278,523,000 | 282,951,000 | 268,644,000 |
| Noninterest-bearing deposits | 23,394,000 | 26,227,000 | 25,849,000 | 12,694,000 |
| Equity capital | 33,260,000 | 33,136,000 | 33,402,000 | 33,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,342,000 | 10,689,000 | 16,311,000 | 22,070,000 |
| Interest expense | 2,596,000 | 5,197,000 | 8,067,000 | 11,000,000 |
| Net interest income | 2,746,000 | 5,492,000 | 8,244,000 | 11,070,000 |
| Noninterest income | 605,000 | 1,195,000 | 1,613,000 | 2,194,000 |
| Noninterest expense | 3,057,000 | 5,945,000 | 8,907,000 | 12,120,000 |
| Provision for loan losses | 75,000 | 150,000 | 450,000 | 640,000 |
| Pretax income | 306,000 | 822,000 | 785,000 | 828,000 |
| Income tax | 17,000 | 108,000 | 47,000 | -27,000 |
| Net income | 289,000 | 714,000 | 738,000 | 855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,424,000 | 32,634,000 | 32,439,000 | 32,346,000 |
| Total capital | 34,232,000 | 34,292,000 | 34,139,000 | 34,030,000 |
| Risk-weighted assets | 232,257,000 | 233,259,000 | 243,200,000 | 241,919,000 |