Call reports 2005
STONEHAMBANK — 2005
What STONEHAMBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 382,042,000 | 395,602,000 | 395,031,000 | 394,733,000 |
| Total loans | 284,591,000 | 295,557,000 | 306,828,000 | 314,439,000 |
| Allowance for loan losses | 2,317,000 | 2,313,000 | 2,307,000 | 2,302,000 |
| Securities available for sale | 14,193,000 | 13,311,000 | 13,435,000 | 10,411,000 |
| Securities held to maturity | 50,957,000 | 48,574,000 | 49,576,000 | 45,735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,723,000 | 276,283,000 | 272,311,000 | 267,563,000 |
| Interest-bearing deposits | 230,113,000 | 238,071,000 | 235,490,000 | 232,063,000 |
| Noninterest-bearing deposits | 36,610,000 | 38,212,000 | 36,821,000 | 35,500,000 |
| Equity capital | 28,276,000 | 28,778,000 | 29,299,000 | 29,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,975,000 | 10,182,000 | 15,607,000 | 21,337,000 |
| Interest expense | 1,690,000 | 3,519,000 | 5,486,000 | 7,625,000 |
| Net interest income | 3,285,000 | 6,663,000 | 10,121,000 | 13,712,000 |
| Noninterest income | 334,000 | 678,000 | 1,135,000 | 1,499,000 |
| Noninterest expense | 3,034,000 | 6,111,000 | 9,151,000 | 12,094,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 595,000 | 1,251,000 | 2,132,000 | 3,552,000 |
| Income tax | 196,000 | 396,000 | 711,000 | 1,289,000 |
| Net income | 399,000 | 855,000 | 1,421,000 | 2,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,250,000 | 28,706,000 | 29,266,000 | 30,023,000 |
| Total capital | 30,690,000 | 31,150,000 | 31,725,000 | 32,325,000 |
| Risk-weighted assets | 246,085,000 | 252,592,000 | 261,327,000 | 263,239,000 |