Call reports 2015
STONEHAMBANK — 2015
What STONEHAMBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 475,139,000 | 494,505,000 | 502,822,000 | 506,523,000 |
| Total loans | 390,830,000 | 403,908,000 | 416,715,000 | 427,426,000 |
| Allowance for loan losses | 4,601,000 | 4,784,000 | 4,871,000 | 5,308,000 |
| Securities available for sale | 61,164,000 | 59,090,000 | 60,182,000 | 53,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,669,000 | 354,731,000 | 352,075,000 | 356,614,000 |
| Interest-bearing deposits | 274,679,000 | 280,298,000 | 280,674,000 | 281,749,000 |
| Noninterest-bearing deposits | 67,990,000 | 74,433,000 | 71,401,000 | 74,865,000 |
| Equity capital | 47,454,000 | 47,395,000 | 48,161,000 | 48,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,621,000 | 9,355,000 | 14,279,000 | 19,323,000 |
| Interest expense | 743,000 | 1,502,000 | 2,318,000 | 3,159,000 |
| Net interest income | 3,878,000 | 7,853,000 | 11,961,000 | 16,164,000 |
| Noninterest income | 626,000 | 1,298,000 | 2,039,000 | 2,640,000 |
| Noninterest expense | 3,728,000 | 7,611,000 | 11,468,000 | 15,100,000 |
| Provision for loan losses | 0 | 150,000 | 230,000 | 655,000 |
| Pretax income | 1,420,000 | 2,580,000 | 3,554,000 | 4,659,000 |
| Income tax | 467,000 | 878,000 | 1,206,000 | 1,577,000 |
| Net income | 953,000 | 1,702,000 | 2,348,000 | 3,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,349,000 | 47,099,000 | 47,744,000 | 48,478,000 |
| Total capital | 61,941,000 | 59,307,000 | 59,861,000 | 54,013,000 |
| Risk-weighted assets | 403,748,000 | 416,087,000 | 427,012,000 | 438,024,000 |