Call reports 2023
STONEHAMBANK — 2023
What STONEHAMBANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 762,502,000 | 769,790,000 | 791,760,000 | 773,950,000 |
| Total loans | 608,888,000 | 622,095,000 | 637,445,000 | 651,865,000 |
| Allowance for loan losses | 8,407,000 | 6,499,000 | 6,645,000 | 6,724,000 |
| Securities available for sale | 98,920,000 | 94,528,000 | 87,759,000 | 92,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 608,621,000 | 605,505,000 | 626,918,000 | 605,613,000 |
| Interest-bearing deposits | 508,235,000 | 505,806,000 | 527,933,000 | 512,319,000 |
| Noninterest-bearing deposits | 100,386,000 | 99,699,000 | 98,985,000 | 93,294,000 |
| Equity capital | 58,160,000 | 58,993,000 | 55,602,000 | 60,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,097,000 | 14,555,000 | 22,794,000 | 30,880,000 |
| Interest expense | 2,033,000 | 4,894,000 | 8,407,000 | 12,158,000 |
| Net interest income | 5,064,000 | 9,661,000 | 14,387,000 | 18,722,000 |
| Noninterest income | 686,000 | 1,475,000 | 2,040,000 | 2,527,000 |
| Noninterest expense | 4,499,000 | 8,998,000 | 13,607,000 | 18,342,000 |
| Provision for loan losses | 0 | 5,000 | 149,000 | 195,000 |
| Pretax income | 1,255,000 | 2,160,000 | 2,665,000 | 2,886,000 |
| Income tax | 307,000 | 525,000 | 649,000 | 705,000 |
| Net income | 948,000 | 1,635,000 | 2,016,000 | 2,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,160,000 | 75,244,000 | 75,626,000 | 75,790,000 |
| Total capital | 79,998,000 | 82,044,000 | 82,477,000 | 82,704,000 |
| Risk-weighted assets | 545,354,000 | 551,379,000 | 560,882,000 | 562,103,000 |