Call reports 2003
STONEHAMBANK — 2003
What STONEHAMBANK 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 | 302,256,000 | 325,964,000 | 344,825,000 | 341,568,000 |
| Total loans | 231,431,000 | 246,757,000 | 270,461,000 | 274,340,000 |
| Allowance for loan losses | 2,099,000 | 2,189,000 | 2,186,000 | 2,185,000 |
| Securities available for sale | 18,962,000 | 18,572,000 | 15,571,000 | 15,525,000 |
| Securities held to maturity | 23,738,000 | 27,090,000 | 33,450,000 | 29,717,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,735,000 | 246,029,000 | 240,247,000 | 234,366,000 |
| Interest-bearing deposits | 196,945,000 | 208,267,000 | 205,529,000 | 200,838,000 |
| Noninterest-bearing deposits | 35,790,000 | 37,762,000 | 34,718,000 | 33,528,000 |
| Equity capital | 24,070,000 | 25,004,000 | 25,808,000 | 26,487,000 |
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 | 4,432,000 | 8,812,000 | 13,348,000 | 17,843,000 |
| Interest expense | 1,482,000 | 2,907,000 | 4,271,000 | 5,691,000 |
| Net interest income | 2,950,000 | 5,905,000 | 9,077,000 | 12,152,000 |
| Noninterest income | 1,116,000 | 2,286,000 | 3,355,000 | 3,898,000 |
| Noninterest expense | 2,867,000 | 6,071,000 | 9,175,000 | 12,164,000 |
| Provision for loan losses | 0 | 110,000 | 120,000 | 120,000 |
| Pretax income | 1,311,000 | 2,475,000 | 3,707,000 | 4,497,000 |
| Income tax | 682,000 | 1,236,000 | 1,545,000 | 1,812,000 |
| Net income | 629,000 | 1,239,000 | 2,162,000 | 2,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,893,000 | 24,761,000 | 25,590,000 | 26,161,000 |
| Total capital | 25,992,000 | 26,968,000 | 27,776,000 | 28,477,000 |
| Risk-weighted assets | 201,297,000 | 209,930,000 | 217,656,000 | 235,641,000 |