Call reports 2012
STONEHAM SAVINGS BANK — 2012
What STONEHAM SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 342,864,000 | 335,581,000 | 325,852,000 | 330,714,000 |
| Total loans | 186,734,000 | 184,056,000 | 178,828,000 | 196,938,000 |
| Allowance for loan losses | 60,000 | 135,000 | 210,000 | 294,000 |
| Securities available for sale | 89,472,000 | 93,713,000 | 106,980,000 | 63,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 22,791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,425,000 | 251,773,000 | 246,877,000 | 243,400,000 |
| Interest-bearing deposits | 216,704,000 | 213,183,000 | 207,524,000 | 204,612,000 |
| Noninterest-bearing deposits | 34,721,000 | 38,590,000 | 39,353,000 | 38,788,000 |
| Equity capital | 33,460,000 | 34,238,000 | 34,739,000 | 33,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,764,000 | 4,396,000 | 6,960,000 | 10,016,000 |
| Interest expense | 152,000 | 348,000 | 488,000 | 1,183,000 |
| Net interest income | 1,612,000 | 4,048,000 | 6,472,000 | 8,833,000 |
| Noninterest income | 6,443,000 | 6,656,000 | 6,859,000 | 4,693,000 |
| Noninterest expense | 5,895,000 | 8,215,000 | 10,690,000 | 14,097,000 |
| Provision for loan losses | 60,000 | 135,000 | 210,000 | 284,000 |
| Pretax income | 2,149,000 | 2,411,000 | 2,554,000 | -508,000 |
| Income tax | -1,659,000 | -1,563,000 | -1,511,000 | -1,807,000 |
| Net income | 3,808,000 | 3,974,000 | 4,065,000 | 1,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,515,000 | 25,847,000 | 26,045,000 | 25,589,000 |
| Total capital | 25,575,000 | 26,015,000 | 26,338,000 | 25,883,000 |
| Risk-weighted assets | 186,352,000 | 179,688,000 | 177,223,000 | 183,736,000 |