Call reports 2019
SOMERSET REGAL BANK — 2019
What SOMERSET REGAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 580,236,000 | 583,508,000 | 582,352,000 | 587,852,000 |
| Total loans | 334,806,000 | 335,342,000 | 326,314,000 | 334,601,000 |
| Allowance for loan losses | 896,000 | 916,000 | 916,000 | 916,000 |
| Securities available for sale | 86,917,000 | 83,102,000 | 78,736,000 | 74,015,000 |
| Securities held to maturity | 40,047,000 | 37,190,000 | 61,219,000 | 77,710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 460,441,000 | 462,555,000 | 460,368,000 | 465,335,000 |
| Interest-bearing deposits | 424,836,000 | 427,280,000 | 426,189,000 | 431,285,000 |
| Noninterest-bearing deposits | 35,605,000 | 35,275,000 | 34,179,000 | 34,050,000 |
| Equity capital | 115,582,000 | 117,343,000 | 118,194,000 | 118,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,244,000 | 8,549,000 | 12,781,000 | 16,883,000 |
| Interest expense | 643,000 | 1,428,000 | 2,292,000 | 3,172,000 |
| Net interest income | 3,601,000 | 7,121,000 | 10,489,000 | 13,711,000 |
| Noninterest income | 248,000 | 509,000 | 775,000 | 1,039,000 |
| Noninterest expense | 2,662,000 | 5,161,000 | 7,822,000 | 10,587,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,187,000 | 2,469,000 | 3,442,000 | 4,163,000 |
| Income tax | 351,000 | 698,000 | 945,000 | 1,073,000 |
| Net income | 836,000 | 1,771,000 | 2,497,000 | 3,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,434,000 | 120,369,000 | 121,096,000 | 121,689,000 |
| Total capital | 120,337,000 | 121,292,000 | 122,019,000 | 122,612,000 |
| Risk-weighted assets | 255,801,000 | 256,874,000 | 254,348,000 | 259,460,000 |