Call reports 2016
STONEHAMBANK — 2016
What STONEHAMBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 511,255,000 | 558,373,000 | 577,782,000 | 580,980,000 |
| Total loans | 429,780,000 | 464,464,000 | 485,285,000 | 494,832,000 |
| Allowance for loan losses | 5,172,000 | 5,584,000 | 5,846,000 | 6,025,000 |
| Securities available for sale | 56,423,000 | 57,271,000 | 54,934,000 | 59,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,352,000 | 396,428,000 | 424,902,000 | 430,105,000 |
| Interest-bearing deposits | 294,865,000 | 316,725,000 | 339,534,000 | 346,414,000 |
| Noninterest-bearing deposits | 75,487,000 | 79,703,000 | 85,368,000 | 83,691,000 |
| Equity capital | 49,912,000 | 50,703,000 | 51,395,000 | 51,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,035,000 | 10,241,000 | 15,780,000 | 21,432,000 |
| Interest expense | 857,000 | 1,767,000 | 2,664,000 | 3,595,000 |
| Net interest income | 4,178,000 | 8,474,000 | 13,116,000 | 17,837,000 |
| Noninterest income | 580,000 | 1,412,000 | 2,217,000 | 2,940,000 |
| Noninterest expense | 3,732,000 | 7,925,000 | 11,921,000 | 15,827,000 |
| Provision for loan losses | 0 | 400,000 | 650,000 | 825,000 |
| Pretax income | 1,036,000 | 1,954,000 | 3,284,000 | 4,662,000 |
| Income tax | 356,000 | 648,000 | 1,127,000 | 1,627,000 |
| Net income | 680,000 | 1,306,000 | 2,157,000 | 3,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,157,000 | 49,784,000 | 50,635,000 | 51,513,000 |
| Total capital | 54,795,000 | 55,818,000 | 56,821,000 | 57,867,000 |
| Risk-weighted assets | 438,332,000 | 469,468,000 | 484,271,000 | 496,183,000 |