Call reports 2008
BLUESTONE BANK — 2008
What BLUESTONE 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 | 406,041,000 | 405,976,000 | 404,862,000 | 404,627,000 |
| Total loans | 268,011,000 | 253,288,000 | 254,590,000 | 257,440,000 |
| Allowance for loan losses | 1,647,000 | 1,706,000 | 2,021,000 | 2,150,000 |
| Securities available for sale | 106,875,000 | 120,696,000 | 120,690,000 | 116,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,219,000 | 262,881,000 | 255,287,000 | 267,676,000 |
| Interest-bearing deposits | 250,901,000 | 248,834,000 | 239,627,000 | 255,237,000 |
| Noninterest-bearing deposits | 12,318,000 | 14,047,000 | 15,660,000 | 12,439,000 |
| Equity capital | 33,077,000 | 32,981,000 | 31,617,000 | 29,890,000 |
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 | 5,489,000 | 10,934,000 | 16,318,000 | 21,703,000 |
| Interest expense | 2,656,000 | 4,909,000 | 7,129,000 | 9,132,000 |
| Net interest income | 2,833,000 | 6,025,000 | 9,189,000 | 12,571,000 |
| Noninterest income | 555,000 | 2,433,000 | 3,132,000 | 1,702,000 |
| Noninterest expense | 3,334,000 | 6,733,000 | 10,434,000 | 13,763,000 |
| Provision for loan losses | 75,000 | 150,000 | 803,000 | 1,113,000 |
| Pretax income | 293,000 | 2,026,000 | 1,596,000 | -125,000 |
| Income tax | 30,000 | 592,000 | 357,000 | -288,000 |
| Net income | 263,000 | 1,434,000 | 1,239,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,341,000 | 33,336,000 | 32,839,000 | 31,403,000 |
| Total capital | 34,079,000 | 35,133,000 | 34,951,000 | 33,644,000 |
| Risk-weighted assets | 248,617,000 | 257,960,000 | 265,775,000 | 269,207,000 |