Call reports 2010
BLUESTONE BANK — 2010
What BLUESTONE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 518,378,000 | 490,616,000 | 485,604,000 | 496,466,000 |
| Total loans | 272,423,000 | 271,901,000 | 270,043,000 | 267,447,000 |
| Allowance for loan losses | 2,606,000 | 2,705,000 | 2,497,000 | 2,643,000 |
| Securities available for sale | 190,239,000 | 182,044,000 | 177,793,000 | 178,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,197,000 | 382,558,000 | 378,276,000 | 390,263,000 |
| Interest-bearing deposits | 371,491,000 | 372,279,000 | 349,541,000 | 358,396,000 |
| Noninterest-bearing deposits | 13,706,000 | 10,279,000 | 28,735,000 | 31,867,000 |
| Equity capital | 46,704,000 | 46,693,000 | 47,765,000 | 47,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,211,000 | 10,391,000 | 15,636,000 | 20,718,000 |
| Interest expense | 1,399,000 | 2,600,000 | 3,748,000 | 4,867,000 |
| Net interest income | 3,812,000 | 7,791,000 | 11,888,000 | 15,851,000 |
| Noninterest income | 491,000 | 1,141,000 | 1,982,000 | 3,181,000 |
| Noninterest expense | 4,259,000 | 9,577,000 | 13,922,000 | 17,845,000 |
| Provision for loan losses | 183,000 | 529,000 | 679,000 | 859,000 |
| Pretax income | -366,000 | -1,282,000 | -529,000 | 682,000 |
| Income tax | -242,000 | -663,000 | -511,000 | -167,000 |
| Net income | -124,000 | -619,000 | -18,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,919,000 | 43,396,000 | 43,377,000 | 44,011,000 |
| Total capital | 46,619,000 | 46,207,000 | 45,973,000 | 46,745,000 |
| Risk-weighted assets | 285,674,000 | 277,260,000 | 274,806,000 | 274,716,000 |