Call reports 2010
STONEHAMBANK — 2010
What STONEHAMBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 419,792,000 | 414,668,000 | 407,828,000 | 407,013,000 |
| Total loans | 337,753,000 | 334,557,000 | 337,889,000 | 344,145,000 |
| Allowance for loan losses | 3,195,000 | 3,326,000 | 3,444,000 | 3,635,000 |
| Securities available for sale | 39,987,000 | 36,809,000 | 35,686,000 | 27,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,216,000 | 279,305,000 | 277,023,000 | 278,691,000 |
| Interest-bearing deposits | 239,379,000 | 236,956,000 | 234,621,000 | 234,922,000 |
| Noninterest-bearing deposits | 42,837,000 | 42,349,000 | 42,402,000 | 43,769,000 |
| Equity capital | 33,048,000 | 32,926,000 | 33,705,000 | 33,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,947,000 | 9,897,000 | 14,817,000 | 19,543,000 |
| Interest expense | 1,730,000 | 3,385,000 | 4,968,000 | 6,403,000 |
| Net interest income | 3,217,000 | 6,512,000 | 9,849,000 | 13,140,000 |
| Noninterest income | 976,000 | 1,955,000 | 3,466,000 | 5,014,000 |
| Noninterest expense | 3,494,000 | 7,316,000 | 11,038,000 | 14,562,000 |
| Provision for loan losses | 125,000 | 308,000 | 433,000 | 658,000 |
| Pretax income | 478,000 | 773,000 | 1,869,000 | 3,026,000 |
| Income tax | 170,000 | 259,000 | 673,000 | 1,111,000 |
| Net income | 308,000 | 514,000 | 1,196,000 | 1,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,480,000 | 32,167,000 | 33,128,000 | 33,814,000 |
| Total capital | 35,675,000 | 35,493,000 | 36,572,000 | 37,329,000 |
| Risk-weighted assets | 285,867,000 | 277,458,000 | 278,043,000 | 280,676,000 |