Call reports 2006
SOMERVILLE BANK — 2006
What SOMERVILLE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 127,756,000 | 129,878,000 | 131,815,000 | 133,264,000 |
| Total loans | 98,452,000 | 100,451,000 | 100,689,000 | 100,663,000 |
| Allowance for loan losses | 876,000 | 892,000 | 922,000 | 901,000 |
| Securities available for sale | 8,107,000 | 8,027,000 | 8,020,000 | 7,969,000 |
| Securities held to maturity | 5,950,000 | 5,818,000 | 5,711,000 | 3,517,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,723,000 | 115,428,000 | 117,014,000 | 117,992,000 |
| Interest-bearing deposits | 102,814,000 | 104,731,000 | 106,601,000 | 106,722,000 |
| Noninterest-bearing deposits | 10,909,000 | 10,697,000 | 10,413,000 | 11,270,000 |
| Equity capital | 12,360,000 | 12,716,000 | 13,066,000 | 13,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,931,000 | 3,977,000 | 6,167,000 | 8,407,000 |
| Interest expense | 779,000 | 1,640,000 | 2,643,000 | 3,740,000 |
| Net interest income | 1,152,000 | 2,337,000 | 3,524,000 | 4,667,000 |
| Noninterest income | 133,000 | 280,000 | 481,000 | 643,000 |
| Noninterest expense | 775,000 | 1,561,000 | 2,424,000 | 3,317,000 |
| Provision for loan losses | 58,000 | 118,000 | 178,000 | 198,000 |
| Pretax income | 458,000 | 944,000 | 1,409,000 | 1,801,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 458,000 | 944,000 | 1,409,000 | 1,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,598,000 | 12,941,000 | 13,231,000 | 13,134,000 |
| Total capital | 13,474,000 | 13,833,000 | 14,153,000 | 14,035,000 |
| Risk-weighted assets | 83,129,000 | 85,167,000 | 85,611,000 | 85,630,000 |
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