Call reports 2002
STONEHAM SAVINGS BANK — 2002
What STONEHAM SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 279,688,000 | 286,383,000 | 294,203,000 | 299,463,000 |
| Total loans | 179,387,000 | 177,448,000 | 177,378,000 | 177,059,000 |
| Allowance for loan losses | 1,791,000 | 1,791,000 | 1,188,000 | 1,238,000 |
| Securities available for sale | 60,703,000 | 66,045,000 | 72,637,000 | 88,369,000 |
| Securities held to maturity | 7,091,000 | 6,432,000 | 5,949,000 | 5,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,103,000 | 229,562,000 | 237,787,000 | 242,144,000 |
| Interest-bearing deposits | 201,847,000 | 206,376,000 | 213,853,000 | 218,206,000 |
| Noninterest-bearing deposits | 22,256,000 | 23,186,000 | 23,934,000 | 23,938,000 |
| Equity capital | 25,548,000 | 26,540,000 | 27,460,000 | 28,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,194,000 | 8,539,000 | 13,054,000 | 17,346,000 |
| Interest expense | 1,880,000 | 3,781,000 | 5,685,000 | 7,506,000 |
| Net interest income | 2,314,000 | 4,758,000 | 7,369,000 | 9,840,000 |
| Noninterest income | 614,000 | 1,229,000 | 1,822,000 | 2,366,000 |
| Noninterest expense | 2,156,000 | 4,296,000 | 6,453,000 | 8,634,000 |
| Provision for loan losses | 45,000 | 45,000 | -513,000 | -463,000 |
| Pretax income | 722,000 | 1,833,000 | 3,104,000 | 3,454,000 |
| Income tax | 230,000 | 443,000 | 916,000 | 981,000 |
| Net income | 492,000 | 1,390,000 | 2,188,000 | 2,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,785,000 | 23,683,000 | 24,012,000 | 24,742,000 |
| Total capital | 25,254,000 | 25,857,000 | 25,200,000 | 26,102,000 |
| Risk-weighted assets | 211,781,000 | 212,006,000 | 213,771,000 | 215,078,000 |