Call reports 2006
STONEHAMBANK — 2006
What STONEHAMBANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 403,315,000 | 400,857,000 | 411,208,000 | 405,899,000 |
| Total loans | 316,063,000 | 321,408,000 | 318,617,000 | 319,910,000 |
| Allowance for loan losses | 2,215,000 | 2,218,000 | 2,202,000 | 2,189,000 |
| Securities available for sale | 9,366,000 | 9,345,000 | 13,527,000 | 13,601,000 |
| Securities held to maturity | 43,908,000 | 41,947,000 | 46,281,000 | 44,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,916,000 | 285,281,000 | 282,044,000 | 277,644,000 |
| Interest-bearing deposits | 242,678,000 | 248,301,000 | 246,264,000 | 240,034,000 |
| Noninterest-bearing deposits | 37,238,000 | 36,980,000 | 35,780,000 | 37,610,000 |
| Equity capital | 30,388,000 | 30,833,000 | 31,422,000 | 31,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,830,000 | 11,758,000 | 17,743,000 | 23,839,000 |
| Interest expense | 2,321,000 | 4,798,000 | 7,479,000 | 10,326,000 |
| Net interest income | 3,509,000 | 6,960,000 | 10,264,000 | 13,513,000 |
| Noninterest income | 321,000 | 591,000 | 950,000 | 1,115,000 |
| Noninterest expense | 2,940,000 | 5,924,000 | 8,871,000 | 11,816,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 847,000 | 1,584,000 | 2,300,000 | 2,769,000 |
| Income tax | 305,000 | 586,000 | 837,000 | 993,000 |
| Net income | 542,000 | 998,000 | 1,463,000 | 1,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,603,000 | 31,026,000 | 31,547,000 | 31,860,000 |
| Total capital | 32,818,000 | 33,244,000 | 33,749,000 | 34,049,000 |
| Risk-weighted assets | 263,249,000 | 263,044,000 | 262,498,000 | 260,670,000 |