Call reports 2019
BLUESTONE BANK — 2019
What BLUESTONE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 625,663,000 | 648,984,000 | 622,905,000 | 632,446,000 |
| Total loans | 472,010,000 | 484,007,000 | 480,213,000 | 471,239,000 |
| Allowance for loan losses | 4,169,000 | 4,242,000 | 4,191,000 | 4,199,000 |
| Securities available for sale | 116,054,000 | 121,234,000 | 118,219,000 | 125,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 539,508,000 | 535,363,000 | 532,617,000 | 543,471,000 |
| Interest-bearing deposits | 477,010,000 | 477,188,000 | 472,172,000 | 481,863,000 |
| Noninterest-bearing deposits | 62,498,000 | 58,175,000 | 60,445,000 | 61,608,000 |
| Equity capital | 57,817,000 | 59,865,000 | 61,192,000 | 61,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,867,000 | 11,798,000 | 17,743,000 | 23,553,000 |
| Interest expense | 1,183,000 | 2,462,000 | 3,756,000 | 5,044,000 |
| Net interest income | 4,684,000 | 9,336,000 | 13,987,000 | 18,509,000 |
| Noninterest income | 954,000 | 2,112,000 | 3,753,000 | 5,276,000 |
| Noninterest expense | 4,745,000 | 9,507,000 | 14,775,000 | 19,606,000 |
| Provision for loan losses | 75,000 | 150,000 | 100,000 | 100,000 |
| Pretax income | 867,000 | 1,896,000 | 2,970,000 | 4,184,000 |
| Income tax | 97,000 | 255,000 | 437,000 | 684,000 |
| Net income | 770,000 | 1,641,000 | 2,533,000 | 3,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,535,000 | 57,411,000 | 58,306,000 | 59,279,000 |
| Total capital | 60,795,000 | 61,743,000 | 62,588,000 | 63,568,000 |
| Risk-weighted assets | 408,222,000 | 424,887,000 | 417,168,000 | 408,507,000 |