Call reports 2011
BLUESTONE BANK — 2011
What BLUESTONE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 491,849,000 | 483,840,000 | 485,068,000 | 491,093,000 |
| Total loans | 266,951,000 | 271,566,000 | 277,338,000 | 286,379,000 |
| Allowance for loan losses | 2,817,000 | 2,969,000 | 3,005,000 | 3,072,000 |
| Securities available for sale | 177,426,000 | 175,959,000 | 165,547,000 | 165,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,535,000 | 381,715,000 | 381,910,000 | 376,913,000 |
| Interest-bearing deposits | 357,101,000 | 348,496,000 | 349,658,000 | 340,945,000 |
| Noninterest-bearing deposits | 30,434,000 | 33,219,000 | 32,252,000 | 35,968,000 |
| Equity capital | 47,693,000 | 49,530,000 | 50,430,000 | 51,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,019,000 | 10,028,000 | 14,967,000 | 19,912,000 |
| Interest expense | 1,048,000 | 2,055,000 | 3,009,000 | 3,889,000 |
| Net interest income | 3,971,000 | 7,973,000 | 11,958,000 | 16,023,000 |
| Noninterest income | 862,000 | 1,602,000 | 2,391,000 | 3,261,000 |
| Noninterest expense | 4,374,000 | 8,030,000 | 12,345,000 | 16,145,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 705,000 |
| Pretax income | 237,000 | 1,303,000 | 1,817,000 | 2,788,000 |
| Income tax | -48,000 | 233,000 | 270,000 | 535,000 |
| Net income | 285,000 | 1,070,000 | 1,547,000 | 2,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,163,000 | 44,907,000 | 44,798,000 | 45,410,000 |
| Total capital | 47,071,000 | 47,967,000 | 47,894,000 | 48,573,000 |
| Risk-weighted assets | 268,792,000 | 270,816,000 | 277,171,000 | 277,435,000 |