Call reports 2007
STONEHAM SAVINGS BANK — 2007
What STONEHAM SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 389,785,000 | 392,740,000 | 401,912,000 | 415,107,000 |
| Total loans | 281,223,000 | 286,099,000 | 288,951,000 | 306,996,000 |
| Allowance for loan losses | 2,443,000 | 2,501,000 | 2,499,000 | 2,609,000 |
| Securities available for sale | 71,724,000 | 70,850,000 | 75,135,000 | 71,280,000 |
| Securities held to maturity | 1,964,000 | 1,958,000 | 1,952,000 | 946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,152,000 | 309,085,000 | 313,317,000 | 317,534,000 |
| Interest-bearing deposits | 272,238,000 | 277,578,000 | 281,438,000 | 289,275,000 |
| Noninterest-bearing deposits | 29,914,000 | 31,507,000 | 31,879,000 | 28,259,000 |
| Equity capital | 37,947,000 | 38,252,000 | 38,734,000 | 38,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,744,000 | 11,797,000 | 17,482,000 | 23,600,000 |
| Interest expense | 2,851,000 | 5,904,000 | 9,107,000 | 12,510,000 |
| Net interest income | 2,893,000 | 5,893,000 | 8,375,000 | 11,090,000 |
| Noninterest income | 1,043,000 | 2,373,000 | 3,160,000 | 4,017,000 |
| Noninterest expense | 3,080,000 | 6,270,000 | 9,320,000 | 12,478,000 |
| Provision for loan losses | 160,000 | 225,000 | 225,000 | 335,000 |
| Pretax income | 752,000 | 2,133,000 | 2,413,000 | 2,710,000 |
| Income tax | 179,000 | 723,000 | 761,000 | 807,000 |
| Net income | 573,000 | 1,410,000 | 1,652,000 | 1,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,835,000 | 35,593,000 | 35,835,000 | 36,086,000 |
| Total capital | 38,610,000 | 39,285,000 | 39,612,000 | 39,571,000 |
| Risk-weighted assets | 300,200,000 | 303,965,000 | 311,652,000 | 325,010,000 |