Call reports 2014
BLUESTONE BANK — 2014
What BLUESTONE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 481,114,000 | 499,838,000 | 483,418,000 | 491,325,000 |
| Total loans | 325,055,000 | 339,923,000 | 340,711,000 | 355,731,000 |
| Allowance for loan losses | 3,039,000 | 3,095,000 | 3,174,000 | 3,255,000 |
| Securities available for sale | 116,731,000 | 114,979,000 | 101,980,000 | 106,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,521,000 | 405,104,000 | 399,065,000 | 401,063,000 |
| Interest-bearing deposits | 352,007,000 | 360,530,000 | 355,582,000 | 352,043,000 |
| Noninterest-bearing deposits | 45,514,000 | 44,574,000 | 43,483,000 | 49,020,000 |
| Equity capital | 47,480,000 | 48,547,000 | 48,615,000 | 49,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,096,000 | 8,510,000 | 12,746,000 | 16,989,000 |
| Interest expense | 459,000 | 929,000 | 1,397,000 | 1,842,000 |
| Net interest income | 3,637,000 | 7,581,000 | 11,349,000 | 15,147,000 |
| Noninterest income | 757,000 | 1,500,000 | 2,411,000 | 3,194,000 |
| Noninterest expense | 3,834,000 | 7,640,000 | 11,835,000 | 15,812,000 |
| Provision for loan losses | 150,000 | 375,000 | 465,000 | 547,000 |
| Pretax income | 410,000 | 1,066,000 | 1,450,000 | 2,178,000 |
| Income tax | 62,000 | 236,000 | 303,000 | 503,000 |
| Net income | 348,000 | 830,000 | 1,147,000 | 1,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,476,000 | 43,981,000 | 44,327,000 | 44,701,000 |
| Total capital | 46,606,000 | 47,167,000 | 47,592,000 | 48,047,000 |
| Risk-weighted assets | 301,945,000 | 308,045,000 | 296,530,000 | 294,178,000 |