Call reports 2025
SOMERSET REGAL BANK — 2025
What SOMERSET REGAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,073,794,000 | 1,084,258,000 | 1,109,831,000 | 1,142,696,000 |
| Total loans | 785,919,000 | 802,527,000 | 831,904,000 | 840,950,000 |
| Allowance for loan losses | 5,124,000 | 5,361,000 | 5,533,000 | 5,582,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 145,413,000 | 141,845,000 | 138,234,000 | 140,805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 840,027,000 | 851,433,000 | 872,248,000 | 895,373,000 |
| Interest-bearing deposits | 729,564,000 | 731,915,000 | 752,693,000 | 769,825,000 |
| Noninterest-bearing deposits | 110,463,000 | 119,518,000 | 119,555,000 | 125,548,000 |
| Equity capital | 190,329,000 | 187,968,000 | 189,488,000 | 185,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,494,000 | 23,203,000 | 35,138,000 | 47,448,000 |
| Interest expense | 4,299,000 | 8,555,000 | 12,895,000 | 17,413,000 |
| Net interest income | 7,195,000 | 14,648,000 | 22,243,000 | 30,035,000 |
| Noninterest income | 527,000 | 2,551,000 | 3,119,000 | 3,679,000 |
| Noninterest expense | 7,134,000 | 14,117,000 | 21,158,000 | 28,257,000 |
| Provision for loan losses | 38,000 | 275,000 | 447,000 | 496,000 |
| Pretax income | 550,000 | 2,810,000 | 3,752,000 | 4,958,000 |
| Income tax | 68,000 | 236,000 | 451,000 | 739,000 |
| Net income | 482,000 | 2,574,000 | 3,301,000 | 4,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,734,000 | 162,262,000 | 163,808,000 | 159,779,000 |