Call reports 2013
SOMERVILLE BANK — 2013
What SOMERVILLE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 178,250,000 | 177,038,000 | 173,422,000 | 171,070,000 |
| Total loans | 95,209,000 | 95,651,000 | 96,303,000 | 97,928,000 |
| Allowance for loan losses | 954,000 | 1,057,000 | 975,000 | 977,000 |
| Securities available for sale | 22,245,000 | 26,461,000 | 15,479,000 | 15,878,000 |
| Securities held to maturity | 27,963,000 | 22,971,000 | 34,717,000 | 38,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,081,000 | 153,756,000 | 151,943,000 | 148,905,000 |
| Interest-bearing deposits | 137,191,000 | 136,728,000 | 134,043,000 | 130,614,000 |
| Noninterest-bearing deposits | 16,890,000 | 17,028,000 | 17,900,000 | 18,291,000 |
| Equity capital | 18,049,000 | 17,251,000 | 17,488,000 | 17,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,620,000 | 3,186,000 | 4,594,000 | 6,160,000 |
| Interest expense | 427,000 | 840,000 | 1,233,000 | 1,547,000 |
| Net interest income | 1,193,000 | 2,346,000 | 3,361,000 | 4,613,000 |
| Noninterest income | 404,000 | 725,000 | 961,000 | 1,064,000 |
| Noninterest expense | 976,000 | 1,969,000 | 2,952,000 | 4,174,000 |
| Provision for loan losses | 170,000 | 320,000 | 380,000 | 400,000 |
| Pretax income | 445,000 | 891,000 | 1,099,000 | 1,212,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 445,000 | 891,000 | 1,099,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,741,000 | 17,961,000 | 17,995,000 | 18,008,000 |
| Total capital | 18,695,000 | 19,018,000 | 18,970,000 | 18,985,000 |
| Risk-weighted assets | 88,249,000 | 89,791,000 | 90,634,000 | 89,547,000 |
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