Call reports 2020
BLUESTONE BANK — 2020
What BLUESTONE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 656,269,000 | 712,386,000 | 712,150,000 | 1,263,319,000 |
| Total loans | 479,475,000 | 513,375,000 | 523,789,000 | 905,222,000 |
| Allowance for loan losses | 4,199,000 | 4,497,000 | 4,749,000 | 5,049,000 |
| Securities available for sale | 141,555,000 | 138,774,000 | 135,700,000 | 195,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 565,909,000 | 618,883,000 | 620,861,000 | 1,127,510,000 |
| Interest-bearing deposits | 508,863,000 | 535,973,000 | 533,434,000 | 963,757,000 |
| Noninterest-bearing deposits | 57,046,000 | 82,910,000 | 87,427,000 | 163,753,000 |
| Equity capital | 63,588,000 | 65,510,000 | 66,611,000 | 127,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,812,000 | 11,517,000 | 17,214,000 | 26,451,000 |
| Interest expense | 1,217,000 | 2,183,000 | 2,938,000 | 3,908,000 |
| Net interest income | 4,595,000 | 9,334,000 | 14,276,000 | 22,543,000 |
| Noninterest income | 1,236,000 | 3,528,000 | 6,620,000 | 14,308,000 |
| Noninterest expense | 5,185,000 | 10,132,000 | 16,226,000 | 26,388,000 |
| Provision for loan losses | 0 | 300,000 | 550,000 | 850,000 |
| Pretax income | 646,000 | 2,603,000 | 4,293,000 | 9,786,000 |
| Income tax | 93,000 | 548,000 | 953,000 | 1,445,000 |
| Net income | 553,000 | 2,055,000 | 3,340,000 | 8,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,837,000 | 61,343,000 | 62,634,000 | 122,601,000 |
| Total capital | 64,126,000 | 65,931,000 | 67,473,000 | 127,741,000 |
| Risk-weighted assets | 426,092,000 | 421,040,000 | 424,716,000 | 788,955,000 |