Call reports 2013
STONEHAM SAVINGS BANK — 2013
What STONEHAM SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Total assets | 327,721,000 | 321,527,000 | 328,381,000 |
| Total loans | 193,223,000 | 186,556,000 | 179,479,000 |
| Allowance for loan losses | 333,000 | 353,000 | 353,000 |
| Securities available for sale | 61,606,000 | 57,281,000 | 65,534,000 |
| Securities held to maturity | 29,053,000 | 38,528,000 | 38,122,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 248,530,000 | 247,412,000 | 254,629,000 |
| Interest-bearing deposits | 207,290,000 | 210,096,000 | 218,569,000 |
| Noninterest-bearing deposits | 41,240,000 | 37,316,000 | 36,060,000 |
| Equity capital | 33,634,000 | 32,688,000 | 33,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Interest income | 2,697,000 | 5,391,000 | 8,080,000 |
| Interest expense | 318,000 | 659,000 | 1,016,000 |
| Net interest income | 2,379,000 | 4,732,000 | 7,064,000 |
| Noninterest income | 196,000 | 380,000 | 566,000 |
| Noninterest expense | 2,447,000 | 4,575,000 | 6,410,000 |
| Provision for loan losses | 40,000 | 60,000 | 60,000 |
| Pretax income | 88,000 | 477,000 | 1,160,000 |
| Income tax | 32,000 | 174,000 | 424,000 |
| Net income | 56,000 | 303,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Tier 1 capital | 25,792,000 | 26,000,000 | 26,724,000 |
| Total capital | 26,125,000 | 26,353,000 | 27,077,000 |
| Risk-weighted assets | 183,631,000 | 181,416,000 | 177,094,000 |