Call reports 2007
STONEHAMBANK — 2007
What STONEHAMBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 394,915,000 | 390,819,000 | 396,779,000 | 413,594,000 |
| Total loans | 310,955,000 | 304,885,000 | 301,220,000 | 303,245,000 |
| Allowance for loan losses | 2,173,000 | 2,162,000 | 2,117,000 | 2,122,000 |
| Securities available for sale | 12,599,000 | 16,990,000 | 20,212,000 | 25,261,000 |
| Securities held to maturity | 43,231,000 | 41,748,000 | 47,470,000 | 59,096,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,177,000 | 280,248,000 | 273,449,000 | 266,028,000 |
| Interest-bearing deposits | 240,892,000 | 243,747,000 | 237,808,000 | 231,431,000 |
| Noninterest-bearing deposits | 36,285,000 | 36,501,000 | 35,641,000 | 34,597,000 |
| Equity capital | 32,056,000 | 32,113,000 | 32,497,000 | 32,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,985,000 | 11,773,000 | 17,621,000 | 23,580,000 |
| Interest expense | 2,864,000 | 5,684,000 | 8,633,000 | 11,695,000 |
| Net interest income | 3,121,000 | 6,089,000 | 8,988,000 | 11,885,000 |
| Noninterest income | 321,000 | 787,000 | 1,260,000 | 1,728,000 |
| Noninterest expense | 3,054,000 | 6,166,000 | 9,233,000 | 12,568,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 388,000 | 628,000 | 964,000 | 994,000 |
| Income tax | 120,000 | 220,000 | 321,000 | 399,000 |
| Net income | 268,000 | 408,000 | 643,000 | 595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,136,000 | 32,233,000 | 32,493,000 | 32,381,000 |
| Total capital | 34,309,000 | 34,395,000 | 34,610,000 | 34,503,000 |
| Risk-weighted assets | 253,828,000 | 250,171,000 | 258,562,000 | 266,816,000 |