Call reports 2005
SOMERVILLE BANK — 2005
What SOMERVILLE 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 | 121,584,000 | 122,269,000 | 123,144,000 | 128,945,000 |
| Total loans | 89,612,000 | 93,054,000 | 95,602,000 | 97,781,000 |
| Allowance for loan losses | 863,000 | 827,000 | 830,000 | 860,000 |
| Securities available for sale | 10,372,000 | 10,360,000 | 8,422,000 | 8,259,000 |
| Securities held to maturity | 4,793,000 | 5,594,000 | 5,381,000 | 5,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,655,000 | 109,181,000 | 109,803,000 | 115,381,000 |
| Interest-bearing deposits | 100,177,000 | 99,726,000 | 100,176,000 | 104,564,000 |
| Noninterest-bearing deposits | 8,478,000 | 9,455,000 | 9,627,000 | 10,817,000 |
| Equity capital | 11,364,000 | 11,609,000 | 11,832,000 | 12,076,000 |
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 | 1,705,000 | 3,468,000 | 5,312,000 | 7,233,000 |
| Interest expense | 614,000 | 1,230,000 | 1,903,000 | 2,659,000 |
| Net interest income | 1,091,000 | 2,238,000 | 3,409,000 | 4,574,000 |
| Noninterest income | 128,000 | 291,000 | 473,000 | 661,000 |
| Noninterest expense | 734,000 | 1,541,000 | 2,370,000 | 3,240,000 |
| Provision for loan losses | 45,000 | 95,000 | 148,000 | 200,000 |
| Pretax income | 440,000 | 893,000 | 1,075,000 | 1,506,000 |
| Income tax | 136,000 | 194,000 | 194,000 | 194,000 |
| Net income | 304,000 | 699,000 | 881,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,727,000 | 11,874,000 | 11,957,000 | 12,288,000 |
| Total capital | 12,590,000 | 12,701,000 | 12,787,000 | 13,148,000 |
| Risk-weighted assets | 78,768,000 | 79,604,000 | 80,601,000 | 84,730,000 |
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