Call reports 2012
BLUESTONE BANK — 2012
What BLUESTONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 491,067,000 | 485,344,000 | 474,508,000 | 479,414,000 |
| Total loans | 287,964,000 | 287,116,000 | 280,777,000 | 286,862,000 |
| Allowance for loan losses | 3,022,000 | 2,923,000 | 2,810,000 | 2,869,000 |
| Securities available for sale | 157,009,000 | 150,718,000 | 147,855,000 | 133,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,426,000 | 381,071,000 | 381,952,000 | 391,630,000 |
| Interest-bearing deposits | 345,343,000 | 344,007,000 | 347,760,000 | 350,807,000 |
| Noninterest-bearing deposits | 37,083,000 | 37,064,000 | 34,192,000 | 40,823,000 |
| Equity capital | 51,345,000 | 51,865,000 | 52,901,000 | 48,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,856,000 | 9,530,000 | 14,019,000 | 18,284,000 |
| Interest expense | 858,000 | 1,674,000 | 2,418,000 | 3,029,000 |
| Net interest income | 3,998,000 | 7,856,000 | 11,601,000 | 15,255,000 |
| Noninterest income | 864,000 | 1,684,000 | 2,926,000 | 4,025,000 |
| Noninterest expense | 3,984,000 | 7,755,000 | 12,316,000 | 16,188,000 |
| Provision for loan losses | 165,000 | 210,000 | 97,000 | 157,000 |
| Pretax income | 627,000 | 1,489,000 | 1,982,000 | 2,802,000 |
| Income tax | 116,000 | 399,000 | 483,000 | 696,000 |
| Net income | 511,000 | 1,090,000 | 1,499,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,833,000 | 46,322,000 | 46,893,000 | 42,563,000 |
| Total capital | 48,946,000 | 49,336,000 | 49,794,000 | 45,523,000 |
| Risk-weighted assets | 278,594,000 | 279,572,000 | 278,705,000 | 280,479,000 |