Call reports 2004
SOMERVILLE BANK — 2004
What SOMERVILLE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 118,142,000 | 116,566,000 | 119,383,000 | 123,553,000 |
| Total loans | 84,190,000 | 88,816,000 | 89,617,000 | 91,863,000 |
| Allowance for loan losses | 890,000 | 903,000 | 888,000 | 871,000 |
| Securities available for sale | 6,442,000 | 10,031,000 | 7,817,000 | 9,512,000 |
| Securities held to maturity | 4,823,000 | 4,418,000 | 4,405,000 | 4,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,320,000 | 104,619,000 | 107,108,000 | 111,061,000 |
| Interest-bearing deposits | 100,185,000 | 96,856,000 | 98,840,000 | 101,748,000 |
| Noninterest-bearing deposits | 6,135,000 | 7,763,000 | 8,268,000 | 9,313,000 |
| Equity capital | 10,317,000 | 10,565,000 | 10,890,000 | 11,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,626,000 | 3,253,000 | 4,941,000 | 6,663,000 |
| Interest expense | 575,000 | 1,127,000 | 1,676,000 | 2,293,000 |
| Net interest income | 1,051,000 | 2,126,000 | 3,265,000 | 4,370,000 |
| Noninterest income | 163,000 | 358,000 | 530,000 | 648,000 |
| Noninterest expense | 663,000 | 1,368,000 | 2,120,000 | 2,837,000 |
| Provision for loan losses | 36,000 | 92,000 | 128,000 | 173,000 |
| Pretax income | 515,000 | 1,066,000 | 1,589,000 | 2,050,000 |
| Income tax | 156,000 | 324,000 | 489,000 | 659,000 |
| Net income | 359,000 | 742,000 | 1,100,000 | 1,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,403,000 | 10,787,000 | 11,131,000 | 11,423,000 |
| Total capital | 11,293,000 | 11,690,000 | 12,019,000 | 12,294,000 |
| Risk-weighted assets | 74,943,000 | 77,468,000 | 78,604,000 | 80,036,000 |
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