Call reports 2013
BLUESTONE BANK — 2013
What BLUESTONE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 481,763,000 | 481,733,000 | 467,023,000 | 471,828,000 |
| Total loans | 289,638,000 | 314,270,000 | 314,540,000 | 318,828,000 |
| Allowance for loan losses | 2,951,000 | 3,116,000 | 3,040,000 | 2,911,000 |
| Securities available for sale | 131,894,000 | 118,940,000 | 109,315,000 | 109,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,532,000 | 395,639,000 | 381,663,000 | 388,639,000 |
| Interest-bearing deposits | 352,417,000 | 354,252,000 | 341,831,000 | 343,224,000 |
| Noninterest-bearing deposits | 41,115,000 | 41,387,000 | 39,832,000 | 45,415,000 |
| Equity capital | 48,312,000 | 47,011,000 | 47,713,000 | 46,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,130,000 | 8,277,000 | 12,459,000 | 16,516,000 |
| Interest expense | 505,000 | 977,000 | 1,431,000 | 1,873,000 |
| Net interest income | 3,625,000 | 7,300,000 | 11,028,000 | 14,643,000 |
| Noninterest income | 969,000 | 1,966,000 | 2,849,000 | 3,680,000 |
| Noninterest expense | 3,810,000 | 7,622,000 | 11,522,000 | 15,238,000 |
| Provision for loan losses | 80,000 | 274,000 | 349,000 | 219,000 |
| Pretax income | 854,000 | 1,520,000 | 2,134,000 | 2,994,000 |
| Income tax | 237,000 | 397,000 | 550,000 | 819,000 |
| Net income | 617,000 | 1,123,000 | 1,584,000 | 2,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,595,000 | 43,695,000 | 44,339,000 | 43,128,000 |
| Total capital | 47,637,000 | 46,902,000 | 47,470,000 | 46,130,000 |
| Risk-weighted assets | 280,825,000 | 289,943,000 | 289,214,000 | 286,317,000 |