Call reports 2009
BLUESTEM NATIONAL BANK — 2009
What BLUESTEM NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 81,881,000 | 84,756,000 | 84,255,000 | 86,729,000 |
| Total loans | 30,719,000 | 31,081,000 | 34,254,000 | 37,115,000 |
| Allowance for loan losses | 176,000 | 167,000 | 168,000 | 147,000 |
| Securities available for sale | 35,810,000 | 38,377,000 | 39,763,000 | 36,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,813,000 | 70,682,000 | 69,585,000 | 71,987,000 |
| Interest-bearing deposits | 58,813,000 | 59,610,000 | 60,750,000 | 59,501,000 |
| Noninterest-bearing deposits | 9,000,000 | 11,071,000 | 8,835,000 | 12,486,000 |
| Equity capital | 13,667,000 | 13,542,000 | 14,012,000 | 14,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 873,000 | 1,667,000 | 2,466,000 | 3,244,000 |
| Interest expense | 252,000 | 452,000 | 646,000 | 823,000 |
| Net interest income | 621,000 | 1,215,000 | 1,820,000 | 2,421,000 |
| Noninterest income | 98,000 | 212,000 | 319,000 | 437,000 |
| Noninterest expense | 525,000 | 1,069,000 | 1,606,000 | 2,213,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 191,000 | 282,000 | 458,000 | 570,000 |
| Income tax | 38,000 | 69,000 | 104,000 | 118,000 |
| Net income | 153,000 | 213,000 | 354,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,661,000 | 13,500,000 | 13,641,000 | 13,520,000 |
| Total capital | 13,837,000 | 13,667,000 | 13,809,000 | 13,667,000 |
| Risk-weighted assets | 48,729,000 | 48,876,000 | 49,531,000 | 52,472,000 |