Call reports 2012
SOMERSET REGAL BANK — 2012
What SOMERSET REGAL 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 | 591,197,000 | 589,536,000 | 585,328,000 | 593,322,000 |
| Total loans | 249,793,000 | 245,813,000 | 246,062,000 | 227,840,000 |
| Allowance for loan losses | 1,298,000 | 1,273,000 | 1,148,000 | 1,144,000 |
| Securities available for sale | 5,383,000 | 5,238,000 | 4,864,000 | 4,674,000 |
| Securities held to maturity | 237,670,000 | 221,678,000 | 239,394,000 | 223,886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 487,845,000 | 484,902,000 | 479,800,000 | 487,890,000 |
| Interest-bearing deposits | 461,676,000 | 458,875,000 | 453,105,000 | 462,250,000 |
| Noninterest-bearing deposits | 26,169,000 | 26,027,000 | 26,695,000 | 25,640,000 |
| Equity capital | 101,079,000 | 100,641,000 | 101,269,000 | 101,526,000 |
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 | 4,522,000 | 8,854,000 | 13,169,000 | 17,068,000 |
| Interest expense | 882,000 | 1,688,000 | 2,434,000 | 3,089,000 |
| Net interest income | 3,640,000 | 7,166,000 | 10,735,000 | 13,979,000 |
| Noninterest income | 98,000 | 244,000 | 391,000 | 546,000 |
| Noninterest expense | 2,641,000 | 5,247,000 | 7,976,000 | 10,681,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 1,097,000 | 2,163,000 | 3,150,000 | 3,794,000 |
| Income tax | 400,000 | 791,000 | 1,155,000 | 1,519,000 |
| Net income | 697,000 | 1,372,000 | 1,995,000 | 2,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,025,000 | 103,700,000 | 104,322,000 | 104,603,000 |
| Total capital | 104,327,000 | 104,977,000 | 105,474,000 | 105,752,000 |
| Risk-weighted assets | 220,618,000 | 219,214,000 | 217,873,000 | 213,767,000 |