Call reports 2015
BLUESTONE BANK — 2015
What BLUESTONE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 489,856,000 | 501,024,000 | 509,929,000 | 506,140,000 |
| Total loans | 356,823,000 | 367,954,000 | 376,085,000 | 383,447,000 |
| Allowance for loan losses | 3,246,000 | 3,291,000 | 3,291,000 | 3,351,000 |
| Securities available for sale | 103,521,000 | 102,324,000 | 103,612,000 | 96,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,868,000 | 406,957,000 | 405,048,000 | 406,424,000 |
| Interest-bearing deposits | 355,129,000 | 352,381,000 | 352,009,000 | 348,182,000 |
| Noninterest-bearing deposits | 46,739,000 | 54,576,000 | 53,039,000 | 58,242,000 |
| Equity capital | 49,816,000 | 49,663,000 | 50,380,000 | 50,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,205,000 | 8,574,000 | 12,929,000 | 17,349,000 |
| Interest expense | 426,000 | 858,000 | 1,300,000 | 1,745,000 |
| Net interest income | 3,779,000 | 7,716,000 | 11,629,000 | 15,604,000 |
| Noninterest income | 797,000 | 1,814,000 | 2,786,000 | 3,856,000 |
| Noninterest expense | 4,326,000 | 8,499,000 | 13,058,000 | 17,239,000 |
| Provision for loan losses | -11,000 | 34,000 | 34,000 | 94,000 |
| Pretax income | 337,000 | 1,431,000 | 2,019,000 | 2,982,000 |
| Income tax | 35,000 | 350,000 | 472,000 | 754,000 |
| Net income | 302,000 | 1,081,000 | 1,547,000 | 2,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,809,000 | 47,503,000 | 47,942,000 | 48,556,000 |
| Total capital | 50,146,000 | 50,885,000 | 51,324,000 | 51,998,000 |
| Risk-weighted assets | 292,961,000 | 303,514,000 | 326,786,000 | 336,896,000 |