Call reports 2006
STONEHAM SAVINGS BANK — 2006
What STONEHAM SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 330,370,000 | 356,926,000 | 368,715,000 | 372,929,000 |
| Total loans | 228,809,000 | 255,344,000 | 262,747,000 | 270,536,000 |
| Allowance for loan losses | 1,898,000 | 2,018,000 | 2,163,000 | 2,283,000 |
| Securities available for sale | 72,979,000 | 68,170,000 | 69,918,000 | 70,652,000 |
| Securities held to maturity | 1,992,000 | 1,984,000 | 1,978,000 | 1,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,031,000 | 272,958,000 | 286,705,000 | 291,641,000 |
| Interest-bearing deposits | 229,170,000 | 241,486,000 | 255,525,000 | 259,711,000 |
| Noninterest-bearing deposits | 30,861,000 | 31,472,000 | 31,180,000 | 31,930,000 |
| Equity capital | 34,077,000 | 34,284,000 | 36,083,000 | 37,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,387,000 | 9,373,000 | 14,883,000 | 20,511,000 |
| Interest expense | 1,721,000 | 3,833,000 | 6,331,000 | 9,034,000 |
| Net interest income | 2,666,000 | 5,540,000 | 8,552,000 | 11,477,000 |
| Noninterest income | 916,000 | 2,161,000 | 2,962,000 | 3,841,000 |
| Noninterest expense | 2,901,000 | 5,914,000 | 8,948,000 | 11,938,000 |
| Provision for loan losses | 35,000 | 155,000 | 300,000 | 420,000 |
| Pretax income | 893,000 | 1,975,000 | 2,633,000 | 3,491,000 |
| Income tax | 301,000 | 571,000 | 717,000 | 922,000 |
| Net income | 592,000 | 1,404,000 | 1,916,000 | 2,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,173,000 | 32,985,000 | 33,609,000 | 34,262,000 |
| Total capital | 34,893,000 | 35,582,000 | 36,795,000 | 37,810,000 |
| Risk-weighted assets | 251,675,000 | 276,093,000 | 283,253,000 | 290,572,000 |