Call reports 2005
STONEHAM SAVINGS BANK — 2005
What STONEHAM SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 312,794,000 | 313,099,000 | 319,513,000 | 315,071,000 |
| Total loans | 201,587,000 | 198,811,000 | 202,560,000 | 207,794,000 |
| Allowance for loan losses | 1,801,000 | 1,850,000 | 1,863,000 | 1,863,000 |
| Securities available for sale | 77,758,000 | 76,532,000 | 78,108,000 | 77,263,000 |
| Securities held to maturity | 2,574,000 | 2,566,000 | 2,257,000 | 2,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,616,000 | 249,098,000 | 257,352,000 | 252,573,000 |
| Interest-bearing deposits | 222,951,000 | 218,534,000 | 226,749,000 | 221,060,000 |
| Noninterest-bearing deposits | 28,665,000 | 30,564,000 | 30,603,000 | 31,513,000 |
| Equity capital | 32,484,000 | 33,409,000 | 33,474,000 | 33,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,018,000 | 8,159,000 | 12,381,000 | 16,659,000 |
| Interest expense | 1,313,000 | 2,690,000 | 4,161,000 | 5,749,000 |
| Net interest income | 2,705,000 | 5,469,000 | 8,220,000 | 10,910,000 |
| Noninterest income | 741,000 | 1,587,000 | 2,214,000 | 2,925,000 |
| Noninterest expense | 2,748,000 | 5,916,000 | 8,668,000 | 11,305,000 |
| Provision for loan losses | 100,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 744,000 | 1,482,000 | 2,194,000 | 3,031,000 |
| Income tax | 199,000 | 248,000 | 432,000 | 669,000 |
| Net income | 545,000 | 1,234,000 | 1,762,000 | 2,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,818,000 | 30,507,000 | 31,018,000 | 31,616,000 |
| Total capital | 32,519,000 | 33,160,000 | 33,678,000 | 34,242,000 |
| Risk-weighted assets | 232,975,000 | 228,641,000 | 233,121,000 | 235,073,000 |