Call reports 2010
STONEHAM SAVINGS BANK — 2010
What STONEHAM SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 408,637,000 | 399,306,000 | 388,120,000 | 380,365,000 |
| Total loans | 291,684,000 | 281,258,000 | 260,821,000 | 239,416,000 |
| Allowance for loan losses | 2,246,000 | 2,031,000 | 2,581,000 | 1,828,000 |
| Securities available for sale | 54,595,000 | 51,996,000 | 52,367,000 | 41,224,000 |
| Securities held to maturity | 298,000 | 294,000 | 288,000 | 283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,111,000 | 310,304,000 | 301,821,000 | 296,328,000 |
| Interest-bearing deposits | 281,731,000 | 278,583,000 | 272,023,000 | 266,480,000 |
| Noninterest-bearing deposits | 29,380,000 | 31,721,000 | 29,798,000 | 29,848,000 |
| Equity capital | 28,170,000 | 26,996,000 | 25,504,000 | 23,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,661,000 | 9,250,000 | 13,519,000 | 17,603,000 |
| Interest expense | 1,889,000 | 3,700,000 | 5,474,000 | 7,144,000 |
| Net interest income | 2,772,000 | 5,550,000 | 8,045,000 | 10,459,000 |
| Noninterest income | 900,000 | 2,085,000 | 2,519,000 | 1,549,000 |
| Noninterest expense | 3,923,000 | 7,998,000 | 12,086,000 | 15,739,000 |
| Provision for loan losses | 606,000 | 1,502,000 | 4,105,000 | 4,241,000 |
| Pretax income | -838,000 | -1,839,000 | -5,456,000 | -7,617,000 |
| Income tax | -566,000 | -889,000 | -1,952,000 | -2,606,000 |
| Net income | -272,000 | -950,000 | -3,504,000 | -5,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,412,000 | 22,344,000 | 17,136,000 | 14,999,000 |
| Total capital | 26,760,000 | 24,375,000 | 19,762,000 | 16,918,000 |
| Risk-weighted assets | 295,103,000 | 285,984,000 | 262,600,000 | 234,490,000 |