Call reports 2003
BLUESTEM NATIONAL BANK — 2003
What BLUESTEM NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 82,374,000 | 82,197,000 | 80,373,000 | 82,841,000 |
| Total loans | 22,445,000 | 22,476,000 | 22,664,000 | 24,358,000 |
| Allowance for loan losses | 274,000 | 275,000 | 284,000 | 340,000 |
| Securities available for sale | 46,367,000 | 49,111,000 | 48,588,000 | 46,680,000 |
| Securities held to maturity | 598,000 | 587,000 | 576,000 | 357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,651,000 | 66,647,000 | 66,035,000 | 68,718,000 |
| Interest-bearing deposits | 61,902,000 | 60,777,000 | 61,330,000 | 62,518,000 |
| Noninterest-bearing deposits | 5,749,000 | 5,870,000 | 4,705,000 | 6,200,000 |
| Equity capital | 13,961,000 | 14,354,000 | 13,790,000 | 13,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 926,000 | 1,813,000 | 2,675,000 | 3,555,000 |
| Interest expense | 346,000 | 654,000 | 934,000 | 1,201,000 |
| Net interest income | 580,000 | 1,159,000 | 1,741,000 | 2,354,000 |
| Noninterest income | 111,000 | 205,000 | 294,000 | 355,000 |
| Noninterest expense | 574,000 | 1,096,000 | 1,649,000 | 2,409,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 357,000 | 478,000 | 426,000 |
| Income tax | 22,000 | 85,000 | 108,000 | 133,000 |
| Net income | 95,000 | 272,000 | 370,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,914,000 | 12,040,000 | 12,198,000 | 12,120,000 |
| Total capital | 12,188,000 | 12,315,000 | 12,482,000 | 12,460,000 |
| Risk-weighted assets | 38,590,000 | 38,509,000 | 38,127,000 | 39,976,000 |