Call reports 2012
SOMERVILLE BANK — 2012
What SOMERVILLE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 169,670,000 | 172,303,000 | 174,958,000 | 177,075,000 |
| Total loans | 93,993,000 | 96,668,000 | 97,207,000 | 99,533,000 |
| Allowance for loan losses | 932,000 | 966,000 | 970,000 | 835,000 |
| Securities available for sale | 16,273,000 | 14,372,000 | 21,342,000 | 22,319,000 |
| Securities held to maturity | 37,982,000 | 31,788,000 | 33,966,000 | 34,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,658,000 | 151,819,000 | 153,988,000 | 152,878,000 |
| Interest-bearing deposits | 132,496,000 | 135,157,000 | 137,612,000 | 136,417,000 |
| Noninterest-bearing deposits | 17,162,000 | 16,662,000 | 16,376,000 | 16,461,000 |
| Equity capital | 16,686,000 | 17,145,000 | 17,522,000 | 17,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,676,000 | 3,406,000 | 5,102,000 | 6,822,000 |
| Interest expense | 452,000 | 904,000 | 1,347,000 | 1,793,000 |
| Net interest income | 1,224,000 | 2,502,000 | 3,755,000 | 5,029,000 |
| Noninterest income | 234,000 | 549,000 | 921,000 | 1,307,000 |
| Noninterest expense | 893,000 | 1,865,000 | 2,797,000 | 3,788,000 |
| Provision for loan losses | 40,000 | 91,000 | 121,000 | 211,000 |
| Pretax income | 525,000 | 1,095,000 | 1,758,000 | 2,337,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 525,000 | 1,095,000 | 1,758,000 | 2,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,508,000 | 16,854,000 | 17,242,000 | 17,521,000 |
| Total capital | 17,441,000 | 17,820,000 | 18,212,000 | 18,356,000 |
| Risk-weighted assets | 87,336,000 | 90,488,000 | 90,666,000 | 92,086,000 |
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