Call reports 2013
STONEHAMBANK — 2013
What STONEHAMBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 461,947,000 | 458,509,000 | 461,231,000 | 463,926,000 |
| Total loans | 360,957,000 | 372,777,000 | 373,082,000 | 369,432,000 |
| Allowance for loan losses | 3,814,000 | 3,874,000 | 3,985,000 | 4,091,000 |
| Securities available for sale | 48,656,000 | 53,543,000 | 60,471,000 | 57,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,633,000 | 320,601,000 | 319,978,000 | 318,011,000 |
| Interest-bearing deposits | 265,700,000 | 256,216,000 | 256,377,000 | 261,939,000 |
| Noninterest-bearing deposits | 57,933,000 | 64,385,000 | 63,601,000 | 56,072,000 |
| Equity capital | 42,093,000 | 41,645,000 | 42,229,000 | 42,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,698,000 | 9,306,000 | 13,832,000 | 18,369,000 |
| Interest expense | 1,033,000 | 2,030,000 | 2,988,000 | 3,875,000 |
| Net interest income | 3,665,000 | 7,276,000 | 10,844,000 | 14,494,000 |
| Noninterest income | 811,000 | 1,743,000 | 2,361,000 | 3,032,000 |
| Noninterest expense | 3,373,000 | 7,027,000 | 10,427,000 | 14,009,000 |
| Provision for loan losses | 50,000 | 70,000 | 170,000 | 870,000 |
| Pretax income | 1,310,000 | 2,362,000 | 3,092,000 | 3,628,000 |
| Income tax | 467,000 | 823,000 | 1,040,000 | 1,177,000 |
| Net income | 843,000 | 1,539,000 | 2,052,000 | 2,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,522,000 | 41,223,000 | 41,753,000 | 42,159,000 |
| Total capital | 58,718,000 | 59,669,000 | 60,359,000 | 60,663,000 |
| Risk-weighted assets | 351,381,000 | 358,125,000 | 361,881,000 | 365,108,000 |