Call reports 2019
STONEHAMBANK — 2019
What STONEHAMBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 608,065,000 | 608,607,000 | 615,560,000 | 606,412,000 |
| Total loans | 509,184,000 | 511,433,000 | 506,425,000 | 505,757,000 |
| Allowance for loan losses | 7,178,000 | 7,192,000 | 7,016,000 | 6,319,000 |
| Securities available for sale | 69,621,000 | 64,297,000 | 61,580,000 | 63,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 473,748,000 | 466,503,000 | 466,866,000 | 464,606,000 |
| Interest-bearing deposits | 386,353,000 | 411,110,000 | 409,167,000 | 406,148,000 |
| Noninterest-bearing deposits | 87,395,000 | 55,393,000 | 57,699,000 | 58,458,000 |
| Equity capital | 59,613,000 | 60,905,000 | 62,289,000 | 63,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,309,000 | 12,694,000 | 19,305,000 | 25,864,000 |
| Interest expense | 1,552,000 | 3,214,000 | 4,951,000 | 6,569,000 |
| Net interest income | 4,757,000 | 9,480,000 | 14,354,000 | 19,295,000 |
| Noninterest income | 586,000 | 1,161,000 | 1,854,000 | 2,543,000 |
| Noninterest expense | 4,096,000 | 8,974,000 | 13,323,000 | 18,044,000 |
| Provision for loan losses | -500,000 | -500,000 | -675,000 | -1,360,000 |
| Pretax income | 1,781,000 | 2,224,000 | 3,694,000 | 5,536,000 |
| Income tax | 473,000 | 550,000 | 928,000 | 1,408,000 |
| Net income | 1,308,000 | 1,674,000 | 2,766,000 | 4,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,404,000 | 59,899,000 | 60,991,000 | 62,352,000 |
| Total capital | 65,187,000 | 65,700,000 | 66,611,000 | 67,988,000 |
| Risk-weighted assets | 461,106,000 | 462,621,000 | 448,120,000 | 450,120,000 |