Call reports 2002
STONEHAMBANK — 2002
What STONEHAMBANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 269,054,000 | 286,964,000 | 292,343,000 | 301,807,000 |
| Total loans | 211,651,000 | 233,868,000 | 238,979,000 | 235,492,000 |
| Allowance for loan losses | 1,945,000 | 1,946,000 | 2,093,000 | 2,111,000 |
| Securities available for sale | 20,631,000 | 12,856,000 | 13,283,000 | 16,852,000 |
| Securities held to maturity | 12,737,000 | 17,933,000 | 16,228,000 | 25,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,560,000 | 214,549,000 | 220,994,000 | 227,824,000 |
| Interest-bearing deposits | 178,472,000 | 183,547,000 | 190,900,000 | 195,253,000 |
| Noninterest-bearing deposits | 31,088,000 | 31,002,000 | 30,094,000 | 32,571,000 |
| Equity capital | 21,096,000 | 21,569,000 | 22,404,000 | 23,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,242,000 | 8,762,000 | 13,459,000 | 17,917,000 |
| Interest expense | 1,638,000 | 3,275,000 | 4,986,000 | 6,595,000 |
| Net interest income | 2,604,000 | 5,487,000 | 8,473,000 | 11,322,000 |
| Noninterest income | 989,000 | 1,609,000 | 3,197,000 | 4,800,000 |
| Noninterest expense | 2,730,000 | 5,569,000 | 8,361,000 | 11,339,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 177,000 |
| Pretax income | 789,000 | 1,455,000 | 3,141,000 | 4,402,000 |
| Income tax | 256,000 | 447,000 | 1,201,000 | 1,806,000 |
| Net income | 533,000 | 1,008,000 | 1,940,000 | 2,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,146,000 | 21,620,000 | 22,455,000 | 23,337,000 |
| Total capital | 23,091,000 | 23,566,000 | 24,548,000 | 25,448,000 |
| Risk-weighted assets | 184,438,000 | 195,637,000 | 200,100,000 | 202,802,000 |