Call reports 2010
SOMERVILLE BANK — 2010
What SOMERVILLE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 143,311,000 | 146,265,000 | 148,902,000 | 147,586,000 |
| Total loans | 86,035,000 | 88,436,000 | 91,061,000 | 90,188,000 |
| Allowance for loan losses | 913,000 | 950,000 | 1,015,000 | 1,033,000 |
| Securities available for sale | 11,471,000 | 10,638,000 | 9,533,000 | 12,487,000 |
| Securities held to maturity | 22,988,000 | 26,956,000 | 30,968,000 | 28,983,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,848,000 | 127,450,000 | 129,928,000 | 128,627,000 |
| Interest-bearing deposits | 112,692,000 | 115,048,000 | 116,586,000 | 115,586,000 |
| Noninterest-bearing deposits | 12,156,000 | 12,402,000 | 13,342,000 | 13,041,000 |
| Equity capital | 14,895,000 | 15,318,000 | 15,433,000 | 15,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,742,000 | 3,527,000 | 5,279,000 | 7,021,000 |
| Interest expense | 614,000 | 1,202,000 | 1,777,000 | 2,321,000 |
| Net interest income | 1,128,000 | 2,325,000 | 3,502,000 | 4,700,000 |
| Noninterest income | 236,000 | 613,000 | 936,000 | 1,278,000 |
| Noninterest expense | 987,000 | 2,061,000 | 3,090,000 | 4,189,000 |
| Provision for loan losses | 60,000 | 180,000 | 320,000 | 440,000 |
| Pretax income | 317,000 | 697,000 | 1,029,000 | 1,350,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 317,000 | 697,000 | 1,029,000 | 1,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,688,000 | 14,922,000 | 15,107,000 | 15,231,000 |
| Total capital | 15,601,000 | 15,872,000 | 16,122,000 | 16,264,000 |
| Risk-weighted assets | 77,667,000 | 80,614,000 | 82,900,000 | 82,475,000 |
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