Call reports 2001
SOMERVILLE BANK — 2001
What SOMERVILLE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 88,523,000 | 91,276,000 | 96,523,000 | 100,316,000 |
| Total loans | 59,756,000 | 64,343,000 | 69,869,000 | 71,544,000 |
| Allowance for loan losses | 623,000 | 635,000 | 666,000 | 718,000 |
| Securities available for sale | 13,762,000 | 13,335,000 | 11,399,000 | 13,620,000 |
| Securities held to maturity | 2,717,000 | 3,719,000 | 4,899,000 | 5,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,543,000 | 80,051,000 | 84,592,000 | 91,137,000 |
| Interest-bearing deposits | 71,823,000 | 74,063,000 | 78,824,000 | 84,812,000 |
| Noninterest-bearing deposits | 5,720,000 | 5,988,000 | 5,768,000 | 6,325,000 |
| Equity capital | 6,585,000 | 6,849,000 | 7,113,000 | 7,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,738,000 | 3,481,000 | 5,248,000 | 7,059,000 |
| Interest expense | 992,000 | 1,971,000 | 2,923,000 | 3,853,000 |
| Net interest income | 746,000 | 1,510,000 | 2,325,000 | 3,206,000 |
| Noninterest income | 112,000 | 209,000 | 312,000 | 473,000 |
| Noninterest expense | 460,000 | 922,000 | 1,394,000 | 1,984,000 |
| Provision for loan losses | 24,000 | 42,000 | 90,000 | 149,000 |
| Pretax income | 374,000 | 755,000 | 1,153,000 | 1,555,000 |
| Income tax | 119,000 | 238,000 | 363,000 | 484,000 |
| Net income | 255,000 | 517,000 | 790,000 | 1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,504,000 | 6,769,000 | 7,044,000 | 7,328,000 |
| Total capital | 7,127,000 | 7,404,000 | 7,710,000 | 8,046,000 |
| Risk-weighted assets | 56,521,000 | 60,945,000 | 64,793,000 | 66,397,000 |
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