Call reports 2009
STONEHAMBANK — 2009
What STONEHAMBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 414,444,000 | 414,862,000 | 412,135,000 | 412,315,000 |
| Total loans | 322,339,000 | 319,633,000 | 324,058,000 | 332,301,000 |
| Allowance for loan losses | 3,156,000 | 3,144,000 | 3,085,000 | 3,133,000 |
| Securities available for sale | 51,980,000 | 29,077,000 | 56,446,000 | 46,522,000 |
| Securities held to maturity | 2,014,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,417,000 | 282,731,000 | 279,925,000 | 280,646,000 |
| Interest-bearing deposits | 232,981,000 | 244,817,000 | 244,050,000 | 241,909,000 |
| Noninterest-bearing deposits | 34,436,000 | 37,914,000 | 35,875,000 | 38,737,000 |
| Equity capital | 31,149,000 | 31,304,000 | 31,914,000 | 32,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,430,000 | 10,400,000 | 15,459,000 | 20,365,000 |
| Interest expense | 2,391,000 | 4,921,000 | 6,631,000 | 8,548,000 |
| Net interest income | 3,039,000 | 5,479,000 | 8,828,000 | 11,817,000 |
| Noninterest income | 944,000 | 1,953,000 | 2,759,000 | 3,512,000 |
| Noninterest expense | 3,321,000 | 7,053,000 | 10,998,000 | 14,384,000 |
| Provision for loan losses | 550,000 | 550,000 | 626,000 | 626,000 |
| Pretax income | 589,000 | 552,000 | 301,000 | 913,000 |
| Income tax | 199,000 | 184,000 | 81,000 | 271,000 |
| Net income | 390,000 | 368,000 | 220,000 | 642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,302,000 | 31,187,000 | 31,188,000 | 31,667,000 |
| Total capital | 33,458,000 | 34,331,000 | 34,273,000 | 34,800,000 |
| Risk-weighted assets | 274,244,000 | 272,663,000 | 267,164,000 | 278,240,000 |