Call reports 2013
SOMERSET REGAL BANK — 2013
What SOMERSET REGAL 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 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 593,087,000 | 586,480,000 | 581,932,000 | 578,565,000 |
| Total loans | 221,897,000 | 220,162,000 | 230,337,000 | 233,663,000 |
| Allowance for loan losses | 1,046,000 | 822,000 | 839,000 | 871,000 |
| Securities available for sale | 4,523,000 | 4,347,000 | 4,104,000 | 3,978,000 |
| Securities held to maturity | 246,467,000 | 257,463,000 | 278,133,000 | 266,724,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,941,000 | 480,346,000 | 474,985,000 | 471,252,000 |
| Interest-bearing deposits | 459,762,000 | 454,540,000 | 449,336,000 | 445,882,000 |
| Noninterest-bearing deposits | 27,179,000 | 25,806,000 | 25,649,000 | 25,370,000 |
| Equity capital | 101,948,000 | 102,957,000 | 103,404,000 | 103,989,000 |
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 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,824,000 | 7,421,000 | 11,096,000 | 14,882,000 |
| Interest expense | 582,000 | 1,111,000 | 1,570,000 | 1,957,000 |
| Net interest income | 3,242,000 | 6,310,000 | 9,526,000 | 12,925,000 |
| Noninterest income | 139,000 | 288,000 | 441,000 | 608,000 |
| Noninterest expense | 2,702,000 | 5,368,000 | 8,013,000 | 10,594,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 679,000 | 1,230,000 | 1,954,000 | 2,839,000 |
| Income tax | 260,000 | 474,000 | 738,000 | 1,037,000 |
| Net income | 419,000 | 756,000 | 1,216,000 | 1,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,022,000 | 105,359,000 | 105,818,000 | 106,404,000 |
| Total capital | 106,074,000 | 106,188,000 | 106,664,000 | 107,283,000 |
| Risk-weighted assets | 211,499,000 | 207,940,000 | 209,940,000 | 212,485,000 |