Call reports 2008
STONEHAMBANK — 2008
What STONEHAMBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 422,653,000 | 424,264,000 | 420,442,000 | 430,052,000 |
| Total loans | 305,005,000 | 313,815,000 | 319,906,000 | 335,055,000 |
| Allowance for loan losses | 2,114,000 | 2,179,000 | 2,222,000 | 2,600,000 |
| Securities available for sale | 26,507,000 | 24,544,000 | 15,488,000 | 12,530,000 |
| Securities held to maturity | 54,203,000 | 60,473,000 | 56,733,000 | 55,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,530,000 | 254,456,000 | 255,309,000 | 252,237,000 |
| Interest-bearing deposits | 225,111,000 | 219,648,000 | 223,097,000 | 221,728,000 |
| Noninterest-bearing deposits | 34,419,000 | 34,808,000 | 32,212,000 | 30,509,000 |
| Equity capital | 32,535,000 | 32,638,000 | 29,616,000 | 30,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,007,000 | 11,916,000 | 17,767,000 | 23,538,000 |
| Interest expense | 2,923,000 | 5,628,000 | 8,284,000 | 10,851,000 |
| Net interest income | 3,084,000 | 6,288,000 | 9,483,000 | 12,687,000 |
| Noninterest income | 539,000 | 1,088,000 | 1,681,000 | 2,623,000 |
| Noninterest expense | 2,932,000 | 5,837,000 | 8,807,000 | 11,778,000 |
| Provision for loan losses | 0 | 70,000 | 120,000 | 715,000 |
| Pretax income | 707,000 | 1,562,000 | -2,209,000 | -1,740,000 |
| Income tax | 191,000 | 456,000 | -626,000 | -685,000 |
| Net income | 516,000 | 1,106,000 | -1,583,000 | -1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,819,000 | 33,215,000 | 30,222,000 | 30,251,000 |
| Total capital | 34,933,000 | 35,394,000 | 32,444,000 | 32,851,000 |
| Risk-weighted assets | 262,007,000 | 265,204,000 | 263,247,000 | 276,171,000 |