Call reports 2004
STONEHAM SAVINGS BANK — 2004
What STONEHAM SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 308,258,000 | 301,263,000 | 314,349,000 | 315,452,000 |
| Total loans | 189,313,000 | 191,797,000 | 192,906,000 | 193,425,000 |
| Allowance for loan losses | 1,536,000 | 1,616,000 | 1,637,000 | 1,714,000 |
| Securities available for sale | 83,964,000 | 75,981,000 | 83,637,000 | 84,531,000 |
| Securities held to maturity | 3,164,000 | 2,832,000 | 3,252,000 | 3,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,848,000 | 244,201,000 | 255,515,000 | 254,854,000 |
| Interest-bearing deposits | 219,971,000 | 213,992,000 | 225,201,000 | 223,791,000 |
| Noninterest-bearing deposits | 26,877,000 | 30,209,000 | 30,314,000 | 31,063,000 |
| Equity capital | 32,451,000 | 31,279,000 | 32,644,000 | 32,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,961,000 | 7,941,000 | 11,863,000 | 15,881,000 |
| Interest expense | 1,281,000 | 2,547,000 | 3,846,000 | 5,184,000 |
| Net interest income | 2,680,000 | 5,394,000 | 8,017,000 | 10,697,000 |
| Noninterest income | 725,000 | 1,464,000 | 2,091,000 | 2,870,000 |
| Noninterest expense | 2,444,000 | 4,944,000 | 7,554,000 | 10,234,000 |
| Provision for loan losses | 60,000 | 140,000 | 160,000 | 240,000 |
| Pretax income | 1,212,000 | 1,936,000 | 2,652,000 | 3,351,000 |
| Income tax | 393,000 | 577,000 | 758,000 | 921,000 |
| Net income | 819,000 | 1,359,000 | 1,894,000 | 2,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,208,000 | 28,744,000 | 29,275,000 | 29,276,000 |
| Total capital | 30,669,000 | 30,958,000 | 31,740,000 | 32,153,000 |
| Risk-weighted assets | 224,855,000 | 224,366,000 | 230,056,000 | 230,359,000 |