Call reports 2014
STONEHAMBANK — 2014
What STONEHAMBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 466,363,000 | 473,325,000 | 471,120,000 | 481,592,000 |
| Total loans | 366,372,000 | 369,543,000 | 379,142,000 | 390,423,000 |
| Allowance for loan losses | 4,216,000 | 4,346,000 | 4,416,000 | 4,560,000 |
| Securities available for sale | 64,657,000 | 69,733,000 | 64,793,000 | 64,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,830,000 | 328,052,000 | 316,764,000 | 329,086,000 |
| Interest-bearing deposits | 266,427,000 | 262,430,000 | 253,873,000 | 264,171,000 |
| Noninterest-bearing deposits | 60,403,000 | 65,622,000 | 62,891,000 | 64,915,000 |
| Equity capital | 43,424,000 | 44,827,000 | 45,453,000 | 46,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,541,000 | 9,128,000 | 13,764,000 | 18,418,000 |
| Interest expense | 850,000 | 1,678,000 | 2,499,000 | 3,282,000 |
| Net interest income | 3,691,000 | 7,450,000 | 11,265,000 | 15,136,000 |
| Noninterest income | 565,000 | 1,238,000 | 1,916,000 | 2,597,000 |
| Noninterest expense | 3,763,000 | 7,266,000 | 10,860,000 | 14,235,000 |
| Provision for loan losses | -303,000 | -303,000 | -303,000 | -173,000 |
| Pretax income | 856,000 | 1,876,000 | 3,114,000 | 4,512,000 |
| Income tax | 272,000 | 577,000 | 986,000 | 1,470,000 |
| Net income | 584,000 | 1,299,000 | 2,128,000 | 3,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,754,000 | 43,480,000 | 44,320,000 | 45,243,000 |
| Total capital | 61,440,000 | 62,329,000 | 63,167,000 | 64,212,000 |
| Risk-weighted assets | 362,778,000 | 366,010,000 | 376,743,000 | 389,248,000 |