Call reports 2023
BLUESTONE BANK — 2023
What BLUESTONE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,448,470,000 | 1,453,915,000 | 1,476,849,000 | 1,515,040,000 |
| Total loans | 1,030,237,000 | 1,058,619,000 | 1,094,347,000 | 1,109,215,000 |
| Allowance for loan losses | 7,039,000 | 7,350,000 | 7,679,000 | 7,768,000 |
| Securities available for sale | 338,439,000 | 327,911,000 | 305,714,000 | 321,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,248,993,000 | 1,233,481,000 | 1,226,257,000 | 1,196,657,000 |
| Interest-bearing deposits | 1,048,263,000 | 1,033,690,000 | 1,033,025,000 | 1,013,757,000 |
| Noninterest-bearing deposits | 200,730,000 | 199,791,000 | 193,232,000 | 182,900,000 |
| Equity capital | 107,452,000 | 104,742,000 | 94,543,000 | 111,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 13,582,000 | 28,212,000 | 43,693,000 | 59,816,000 |
| Interest expense | 4,693,000 | 10,850,000 | 17,900,000 | 25,812,000 |
| Net interest income | 8,889,000 | 17,362,000 | 25,793,000 | 34,004,000 |
| Noninterest income | 1,304,000 | 2,790,000 | 4,172,000 | 5,737,000 |
| Noninterest expense | 8,494,000 | 16,975,000 | 25,081,000 | 32,951,000 |
| Provision for loan losses | 480,000 | 787,000 | 1,113,000 | 1,199,000 |
| Pretax income | 1,139,000 | 2,213,000 | 3,685,000 | 5,470,000 |
| Income tax | 216,000 | 399,000 | 707,000 | 1,102,000 |
| Net income | 923,000 | 1,814,000 | 2,978,000 | 4,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 140,938,000 | 141,831,000 | 142,996,000 | 144,388,000 |
| Total capital | 148,833,000 | 150,136,000 | 151,538,000 | 153,054,000 |
| Risk-weighted assets | 970,866,000 | 1,052,013,000 | 1,079,247,000 | 1,088,645,000 |