Call reports 2004
STONEHAMBANK — 2004
What STONEHAMBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 347,569,000 | 350,249,000 | 366,036,000 | 366,856,000 |
| Total loans | 271,652,000 | 265,395,000 | 268,986,000 | 278,120,000 |
| Allowance for loan losses | 2,199,000 | 2,188,000 | 2,185,000 | 2,320,000 |
| Securities available for sale | 16,377,000 | 17,150,000 | 15,965,000 | 12,401,000 |
| Securities held to maturity | 30,074,000 | 35,539,000 | 55,513,000 | 52,918,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,298,000 | 251,602,000 | 248,956,000 | 241,391,000 |
| Interest-bearing deposits | 206,113,000 | 216,180,000 | 211,962,000 | 208,555,000 |
| Noninterest-bearing deposits | 35,185,000 | 35,422,000 | 36,994,000 | 32,836,000 |
| Equity capital | 26,966,000 | 27,034,000 | 27,496,000 | 28,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,469,000 | 8,918,000 | 13,536,000 | 18,378,000 |
| Interest expense | 1,448,000 | 2,888,000 | 4,462,000 | 6,099,000 |
| Net interest income | 3,021,000 | 6,030,000 | 9,074,000 | 12,279,000 |
| Noninterest income | 794,000 | 1,259,000 | 1,631,000 | 2,126,000 |
| Noninterest expense | 3,170,000 | 6,206,000 | 9,152,000 | 12,025,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 145,000 |
| Pretax income | 872,000 | 1,325,000 | 1,774,000 | 2,543,000 |
| Income tax | 341,000 | 461,000 | 554,000 | 853,000 |
| Net income | 531,000 | 864,000 | 1,220,000 | 1,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,692,000 | 27,025,000 | 27,381,000 | 27,850,000 |
| Total capital | 29,032,000 | 29,284,000 | 29,657,000 | 30,349,000 |
| Risk-weighted assets | 233,350,000 | 232,279,000 | 238,227,000 | 246,304,000 |