Call reports 2008
BLUESTEM NATIONAL BANK — 2008
What BLUESTEM NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 81,911,000 | 79,401,000 | 81,233,000 | 82,693,000 |
| Total loans | 30,099,000 | 30,316,000 | 28,934,000 | 34,184,000 |
| Allowance for loan losses | 194,000 | 194,000 | 165,000 | 167,000 |
| Securities available for sale | 37,252,000 | 37,398,000 | 37,558,000 | 35,636,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,772,000 | 65,679,000 | 67,439,000 | 68,729,000 |
| Interest-bearing deposits | 59,690,000 | 58,813,000 | 60,378,000 | 59,314,000 |
| Noninterest-bearing deposits | 8,082,000 | 6,866,000 | 7,061,000 | 9,415,000 |
| Equity capital | 13,652,000 | 13,150,000 | 13,287,000 | 13,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,024,000 | 1,961,000 | 2,901,000 | 3,847,000 |
| Interest expense | 380,000 | 726,000 | 1,062,000 | 1,374,000 |
| Net interest income | 644,000 | 1,235,000 | 1,839,000 | 2,473,000 |
| Noninterest income | 92,000 | 202,000 | 329,000 | 450,000 |
| Noninterest expense | 537,000 | 1,086,000 | 1,606,000 | 2,179,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 107,000 | 254,000 | 465,000 | 649,000 |
| Income tax | 37,000 | 70,000 | 110,000 | 149,000 |
| Net income | 70,000 | 184,000 | 355,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,518,000 | 13,411,000 | 13,583,000 | 13,508,000 |
| Total capital | 13,712,000 | 13,605,000 | 13,748,000 | 13,675,000 |
| Risk-weighted assets | 48,628,000 | 48,519,000 | 47,505,000 | 52,021,000 |