Call reports 2009
BLUESTONE BANK — 2009
What BLUESTONE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 396,334,000 | 398,441,000 | 397,319,000 | 401,990,000 |
| Total loans | 245,618,000 | 245,903,000 | 242,221,000 | 240,666,000 |
| Allowance for loan losses | 2,238,000 | 2,251,000 | 2,372,000 | 2,422,000 |
| Securities available for sale | 122,707,000 | 126,638,000 | 128,974,000 | 132,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,942,000 | 293,377,000 | 287,006,000 | 288,474,000 |
| Interest-bearing deposits | 270,419,000 | 277,749,000 | 273,182,000 | 278,280,000 |
| Noninterest-bearing deposits | 14,523,000 | 15,628,000 | 13,824,000 | 10,194,000 |
| Equity capital | 30,696,000 | 31,792,000 | 33,538,000 | 33,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,016,000 | 10,008,000 | 14,937,000 | 19,602,000 |
| Interest expense | 2,031,000 | 3,897,000 | 5,369,000 | 6,500,000 |
| Net interest income | 2,985,000 | 6,111,000 | 9,568,000 | 13,102,000 |
| Noninterest income | 920,000 | 2,421,000 | 2,847,000 | 3,877,000 |
| Noninterest expense | 3,494,000 | 7,099,000 | 10,477,000 | 14,211,000 |
| Provision for loan losses | 139,000 | 259,000 | 841,000 | 991,000 |
| Pretax income | 255,000 | 1,155,000 | 1,885,000 | 2,570,000 |
| Income tax | 30,000 | 273,000 | 405,000 | 597,000 |
| Net income | 225,000 | 882,000 | 1,480,000 | 1,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,789,000 | 32,410,000 | 33,057,000 | 32,248,000 |
| Total capital | 34,118,000 | 34,752,000 | 35,527,000 | 34,762,000 |
| Risk-weighted assets | 265,702,000 | 262,536,000 | 254,163,000 | 249,355,000 |