Call reports 2009
STONEHAM SAVINGS BANK — 2009
What STONEHAM SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 455,558,000 | 452,209,000 | 425,738,000 | 422,653,000 |
| Total loans | 346,274,000 | 344,389,000 | 331,431,000 | 305,083,000 |
| Allowance for loan losses | 3,993,000 | 6,031,000 | 10,804,000 | 8,634,000 |
| Securities available for sale | 53,421,000 | 56,961,000 | 57,304,000 | 57,636,000 |
| Securities held to maturity | 418,000 | 313,000 | 308,000 | 304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,325,000 | 346,861,000 | 324,957,000 | 324,892,000 |
| Interest-bearing deposits | 320,609,000 | 317,689,000 | 296,361,000 | 294,171,000 |
| Noninterest-bearing deposits | 27,716,000 | 29,172,000 | 28,596,000 | 30,721,000 |
| Equity capital | 33,344,000 | 34,223,000 | 29,562,000 | 27,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,396,000 | 10,975,000 | 16,173,000 | 21,170,000 |
| Interest expense | 2,901,000 | 5,640,000 | 8,160,000 | 10,292,000 |
| Net interest income | 2,495,000 | 5,335,000 | 8,013,000 | 10,878,000 |
| Noninterest income | 929,000 | 2,348,000 | 2,197,000 | 1,897,000 |
| Noninterest expense | 3,674,000 | 7,375,000 | 11,063,000 | 15,248,000 |
| Provision for loan losses | 330,000 | 2,370,000 | 9,784,000 | 10,912,000 |
| Pretax income | -589,000 | -2,070,000 | -10,604,000 | -13,350,000 |
| Income tax | -204,000 | -870,000 | -3,301,000 | -4,131,000 |
| Net income | -385,000 | -1,200,000 | -7,303,000 | -9,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,338,000 | 31,386,000 | 25,744,000 | 24,686,000 |
| Total capital | 35,331,000 | 35,662,000 | 29,868,000 | 28,536,000 |
| Risk-weighted assets | 344,298,000 | 340,331,000 | 323,302,000 | 303,209,000 |