Call reports 2005
SOMERSET HILLS BANK — 2005
What SOMERSET HILLS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 193,196,000 | 207,428,000 | 233,383,000 | 245,926,000 |
| Total loans | 143,458,000 | 154,837,000 | 169,285,000 | 182,527,000 |
| Allowance for loan losses | 1,628,000 | 1,691,000 | 1,886,000 | 2,029,000 |
| Securities available for sale | 18,010,000 | 25,464,000 | 28,776,000 | 31,226,000 |
| Securities held to maturity | 4,838,000 | 7,188,000 | 7,582,000 | 9,366,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,415,000 | 183,963,000 | 211,169,000 | 212,728,000 |
| Interest-bearing deposits | 133,534,000 | 134,236,000 | 164,732,000 | 162,577,000 |
| Noninterest-bearing deposits | 38,881,000 | 49,727,000 | 46,437,000 | 50,151,000 |
| Equity capital | 19,046,000 | 19,624,000 | 19,997,000 | 20,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,342,000 | 5,025,000 | 8,130,000 | 11,605,000 |
| Interest expense | 578,000 | 1,282,000 | 2,179,000 | 3,194,000 |
| Net interest income | 1,764,000 | 3,743,000 | 5,951,000 | 8,411,000 |
| Noninterest income | 581,000 | 1,281,000 | 2,131,000 | 2,941,000 |
| Noninterest expense | 2,033,000 | 4,106,000 | 6,241,000 | 8,403,000 |
| Provision for loan losses | 0 | 57,000 | 249,000 | 392,000 |
| Pretax income | 312,000 | 861,000 | 1,590,000 | 2,555,000 |
| Income tax | 50,000 | 254,000 | 527,000 | 429,000 |
| Net income | 262,000 | 607,000 | 1,063,000 | 2,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,110,000 | 18,455,000 | 18,911,000 | 19,974,000 |
| Total capital | 19,738,000 | 20,146,000 | 20,797,000 | 22,003,000 |
| Risk-weighted assets | 173,728,000 | 188,161,000 | 201,439,000 | 207,720,000 |
Machine access — free, no API key
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