Call reports 2003
STONEHAM SAVINGS BANK — 2003
What STONEHAM SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 302,384,000 | 320,740,000 | 313,585,000 | 308,267,000 |
| Total loans | 168,555,000 | 170,396,000 | 180,804,000 | 186,915,000 |
| Allowance for loan losses | 1,272,000 | 1,306,000 | 1,371,000 | 1,476,000 |
| Securities available for sale | 93,101,000 | 113,093,000 | 101,659,000 | 89,662,000 |
| Securities held to maturity | 4,485,000 | 6,030,000 | 4,639,000 | 3,362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,144,000 | 262,708,000 | 252,785,000 | 242,539,000 |
| Interest-bearing deposits | 220,118,000 | 230,838,000 | 226,291,000 | 215,610,000 |
| Noninterest-bearing deposits | 25,026,000 | 31,870,000 | 26,494,000 | 26,929,000 |
| Equity capital | 28,952,000 | 30,179,000 | 30,360,000 | 31,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,263,000 | 8,376,000 | 12,418,000 | 16,440,000 |
| Interest expense | 1,681,000 | 3,216,000 | 4,649,000 | 5,996,000 |
| Net interest income | 2,582,000 | 5,160,000 | 7,769,000 | 10,444,000 |
| Noninterest income | 625,000 | 1,315,000 | 1,905,000 | 2,535,000 |
| Noninterest expense | 2,346,000 | 4,634,000 | 6,858,000 | 9,152,000 |
| Provision for loan losses | 35,000 | 70,000 | 135,000 | 240,000 |
| Pretax income | 756,000 | 1,811,000 | 2,837,000 | 3,864,000 |
| Income tax | 222,000 | 570,000 | 895,000 | 1,210,000 |
| Net income | 534,000 | 1,241,000 | 1,942,000 | 2,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,276,000 | 26,002,000 | 26,703,000 | 27,404,000 |
| Total capital | 26,639,000 | 27,693,000 | 28,440,000 | 29,734,000 |
| Risk-weighted assets | 206,707,000 | 214,293,000 | 224,971,000 | 226,071,000 |