Call reports 2015
SOMERSET REGAL BANK — 2015
What SOMERSET REGAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 568,739,000 | 561,386,000 | 559,611,000 | 566,245,000 |
| Total loans | 239,183,000 | 238,858,000 | 240,150,000 | 241,180,000 |
| Allowance for loan losses | 848,000 | 846,000 | 813,000 | 795,000 |
| Securities available for sale | 3,248,000 | 3,021,000 | 2,910,000 | 2,823,000 |
| Securities held to maturity | 217,323,000 | 206,394,000 | 195,224,000 | 186,539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,332,000 | 450,465,000 | 448,093,000 | 454,560,000 |
| Interest-bearing deposits | 430,547,000 | 423,845,000 | 421,510,000 | 426,315,000 |
| Noninterest-bearing deposits | 27,785,000 | 26,620,000 | 26,583,000 | 28,245,000 |
| Equity capital | 107,552,000 | 107,925,000 | 108,314,000 | 108,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,500,000 | 6,907,000 | 10,215,000 | 13,453,000 |
| Interest expense | 268,000 | 535,000 | 811,000 | 1,094,000 |
| Net interest income | 3,232,000 | 6,372,000 | 9,404,000 | 12,359,000 |
| Noninterest income | 164,000 | 339,000 | 514,000 | 732,000 |
| Noninterest expense | 2,475,000 | 4,907,000 | 7,484,000 | 10,044,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 921,000 | 1,804,000 | 2,434,000 | 3,047,000 |
| Income tax | 347,000 | 681,000 | 914,000 | 1,151,000 |
| Net income | 574,000 | 1,123,000 | 1,520,000 | 1,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,660,000 | 110,208,000 | 110,606,000 | 110,982,000 |
| Total capital | 110,517,000 | 111,063,000 | 111,425,000 | 111,782,000 |
| Risk-weighted assets | 216,599,000 | 217,126,000 | 216,060,000 | 223,294,000 |