Call reports 2009
SOMERVILLE BANK — 2009
What SOMERVILLE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 129,172,000 | 130,041,000 | 136,648,000 | 140,153,000 |
| Total loans | 89,298,000 | 85,240,000 | 87,397,000 | 85,920,000 |
| Allowance for loan losses | 889,000 | 881,000 | 848,000 | 882,000 |
| Securities available for sale | 19,990,000 | 25,761,000 | 21,672,000 | 16,243,000 |
| Securities held to maturity | 0 | 0 | 5,993,000 | 22,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,193,000 | 112,240,000 | 118,581,000 | 122,197,000 |
| Interest-bearing deposits | 99,422,000 | 100,625,000 | 106,595,000 | 109,665,000 |
| Noninterest-bearing deposits | 11,771,000 | 11,615,000 | 11,986,000 | 12,532,000 |
| Equity capital | 14,443,000 | 14,478,000 | 14,639,000 | 14,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,800,000 | 3,571,000 | 5,280,000 | 7,089,000 |
| Interest expense | 750,000 | 1,487,000 | 2,222,000 | 2,915,000 |
| Net interest income | 1,050,000 | 2,084,000 | 3,058,000 | 4,174,000 |
| Noninterest income | 420,000 | 841,000 | 1,081,000 | 1,462,000 |
| Noninterest expense | 975,000 | 2,026,000 | 2,984,000 | 4,073,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 290,000 |
| Pretax income | 435,000 | 782,000 | 1,005,000 | 1,250,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 435,000 | 782,000 | 1,005,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,134,000 | 14,359,000 | 14,485,000 | 14,558,000 |
| Total capital | 15,023,000 | 15,240,000 | 15,333,000 | 15,440,000 |
| Risk-weighted assets | 75,777,000 | 73,843,000 | 77,566,000 | 78,647,000 |
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