Call reports 2016
BLUESTONE BANK — 2016
What BLUESTONE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 520,385,000 | 532,033,000 | 533,784,000 | 545,285,000 |
| Total loans | 390,199,000 | 399,573,000 | 401,456,000 | 411,517,000 |
| Allowance for loan losses | 3,409,000 | 3,469,000 | 3,529,000 | 3,603,000 |
| Securities available for sale | 101,976,000 | 105,194,000 | 104,254,000 | 103,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,052,000 | 429,723,000 | 436,172,000 | 432,808,000 |
| Interest-bearing deposits | 365,188,000 | 370,970,000 | 374,538,000 | 368,871,000 |
| Noninterest-bearing deposits | 57,864,000 | 58,753,000 | 61,634,000 | 63,937,000 |
| Equity capital | 51,905,000 | 53,064,000 | 53,043,000 | 51,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,507,000 | 9,069,000 | 13,658,000 | 18,292,000 |
| Interest expense | 496,000 | 989,000 | 1,463,000 | 1,928,000 |
| Net interest income | 4,011,000 | 8,080,000 | 12,195,000 | 16,364,000 |
| Noninterest income | 872,000 | 2,137,000 | 3,315,000 | 4,494,000 |
| Noninterest expense | 4,231,000 | 8,622,000 | 13,175,000 | 17,571,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 255,000 |
| Pretax income | 592,000 | 1,475,000 | 2,155,000 | 3,032,000 |
| Income tax | 134,000 | 431,000 | 669,000 | 904,000 |
| Net income | 458,000 | 1,044,000 | 1,486,000 | 2,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,013,000 | 49,574,000 | 49,973,000 | 50,505,000 |
| Total capital | 52,513,000 | 53,134,000 | 53,593,000 | 54,199,000 |
| Risk-weighted assets | 341,594,000 | 346,508,000 | 349,309,000 | 354,484,000 |