Call reports 2012
SOMERSET HILLS BANK — 2012
What SOMERSET HILLS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 343,316,000 | 353,126,000 | 351,430,000 | 368,483,000 |
| Total loans | 232,944,000 | 240,623,000 | 240,744,000 | 248,546,000 |
| Allowance for loan losses | 3,001,000 | 3,089,000 | 3,167,000 | 3,158,000 |
| Securities available for sale | 42,177,000 | 31,971,000 | 29,001,000 | 13,370,000 |
| Securities held to maturity | 9,936,000 | 9,560,000 | 8,900,000 | 8,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,996,000 | 304,707,000 | 302,279,000 | 320,807,000 |
| Interest-bearing deposits | 218,991,000 | 226,333,000 | 221,892,000 | 232,908,000 |
| Noninterest-bearing deposits | 77,005,000 | 78,374,000 | 80,387,000 | 87,899,000 |
| Equity capital | 38,584,000 | 39,404,000 | 40,281,000 | 40,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,455,000 | 6,763,000 | 10,061,000 | 13,204,000 |
| Interest expense | 356,000 | 695,000 | 1,022,000 | 1,289,000 |
| Net interest income | 3,099,000 | 6,068,000 | 9,039,000 | 11,915,000 |
| Noninterest income | 551,000 | 1,102,000 | 1,683,000 | 2,348,000 |
| Noninterest expense | 2,282,000 | 4,441,000 | 6,633,000 | 9,145,000 |
| Provision for loan losses | 75,000 | 165,000 | 240,000 | 290,000 |
| Pretax income | 1,293,000 | 2,725,000 | 4,010,000 | 5,328,000 |
| Income tax | 450,000 | 960,000 | 1,413,000 | 1,871,000 |
| Net income | 843,000 | 1,765,000 | 2,597,000 | 3,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,823,000 | 38,745,000 | 39,577,000 | 40,437,000 |
| Total capital | 40,824,000 | 41,834,000 | 42,744,000 | 43,595,000 |
| Risk-weighted assets | 266,238,000 | 266,885,000 | 263,465,000 | 267,392,000 |