Call reports 2008
STONEHAM SAVINGS BANK — 2008
What STONEHAM SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 419,407,000 | 429,505,000 | 451,159,000 | 450,005,000 |
| Total loans | 319,553,000 | 328,206,000 | 333,980,000 | 346,839,000 |
| Allowance for loan losses | 2,714,000 | 2,774,000 | 2,864,000 | 3,663,000 |
| Securities available for sale | 65,349,000 | 61,698,000 | 57,520,000 | 62,425,000 |
| Securities held to maturity | 440,000 | 434,000 | 428,000 | 424,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,126,000 | 323,236,000 | 339,319,000 | 341,824,000 |
| Interest-bearing deposits | 286,124,000 | 294,006,000 | 312,461,000 | 311,627,000 |
| Noninterest-bearing deposits | 29,002,000 | 29,230,000 | 26,858,000 | 30,197,000 |
| Equity capital | 38,498,000 | 37,513,000 | 35,739,000 | 35,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,976,000 | 11,785,000 | 17,804,000 | 23,673,000 |
| Interest expense | 3,351,000 | 6,412,000 | 9,427,000 | 12,520,000 |
| Net interest income | 2,625,000 | 5,373,000 | 8,377,000 | 11,153,000 |
| Noninterest income | 1,078,000 | 2,288,000 | 3,081,000 | 3,606,000 |
| Noninterest expense | 3,276,000 | 6,432,000 | 9,615,000 | 12,933,000 |
| Provision for loan losses | 105,000 | 165,000 | 255,000 | 1,055,000 |
| Pretax income | 315,000 | 1,059,000 | -320,000 | -1,176,000 |
| Income tax | 87,000 | 260,000 | -313,000 | -605,000 |
| Net income | 228,000 | 799,000 | -7,000 | -571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,517,000 | 35,900,000 | 35,122,000 | 33,194,000 |
| Total capital | 38,703,000 | 38,744,000 | 38,236,000 | 36,857,000 |
| Risk-weighted assets | 334,731,000 | 338,533,000 | 347,524,000 | 359,344,000 |