Call reports 2012
STONEHAMBANK — 2012
What STONEHAMBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 435,427,000 | 444,253,000 | 447,231,000 | 454,062,000 |
| Total loans | 344,180,000 | 344,444,000 | 358,738,000 | 369,642,000 |
| Allowance for loan losses | 3,939,000 | 3,734,000 | 3,904,000 | 3,718,000 |
| Securities available for sale | 51,804,000 | 54,205,000 | 52,047,000 | 49,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,531,000 | 313,357,000 | 313,018,000 | 315,504,000 |
| Interest-bearing deposits | 254,940,000 | 254,196,000 | 259,516,000 | 259,768,000 |
| Noninterest-bearing deposits | 50,591,000 | 59,161,000 | 53,502,000 | 55,736,000 |
| Equity capital | 38,446,000 | 39,430,000 | 40,679,000 | 41,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,680,000 | 9,432,000 | 13,992,000 | 18,576,000 |
| Interest expense | 1,215,000 | 2,401,000 | 3,555,000 | 4,657,000 |
| Net interest income | 3,465,000 | 7,031,000 | 10,437,000 | 13,919,000 |
| Noninterest income | 1,285,000 | 2,522,000 | 3,683,000 | 5,217,000 |
| Noninterest expense | 3,436,000 | 6,488,000 | 9,633,000 | 13,052,000 |
| Provision for loan losses | 350,000 | 700,000 | 850,000 | 1,100,000 |
| Pretax income | 999,000 | 2,432,000 | 3,735,000 | 5,082,000 |
| Income tax | 352,000 | 898,000 | 1,368,000 | 1,860,000 |
| Net income | 647,000 | 1,534,000 | 2,367,000 | 3,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,161,000 | 38,036,000 | 38,866,000 | 39,683,000 |
| Total capital | 54,751,000 | 55,607,000 | 56,593,000 | 57,644,000 |
| Risk-weighted assets | 292,396,000 | 294,702,000 | 301,692,000 | 352,085,000 |