Call reports 2015
SOMERVILLE BANK — 2015
What SOMERVILLE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 165,524,000 | 164,002,000 | 165,656,000 | 164,620,000 |
| Total loans | 93,627,000 | 89,347,000 | 87,569,000 | 88,980,000 |
| Allowance for loan losses | 1,175,000 | 1,192,000 | 1,248,000 | 1,238,000 |
| Securities available for sale | 14,373,000 | 14,973,000 | 13,767,000 | 20,212,000 |
| Securities held to maturity | 40,655,000 | 42,136,000 | 41,643,000 | 38,471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,046,000 | 141,647,000 | 143,196,000 | 142,030,000 |
| Interest-bearing deposits | 126,171,000 | 121,173,000 | 122,028,000 | 120,664,000 |
| Noninterest-bearing deposits | 16,875,000 | 20,474,000 | 21,168,000 | 21,366,000 |
| Equity capital | 18,794,000 | 18,688,000 | 18,905,000 | 18,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,904,000 | 4,373,000 | 5,736,000 |
| Interest expense | 278,000 | 558,000 | 841,000 | 1,121,000 |
| Net interest income | 1,176,000 | 2,346,000 | 3,532,000 | 4,615,000 |
| Noninterest income | 176,000 | 426,000 | 763,000 | 1,019,000 |
| Noninterest expense | 1,090,000 | 2,228,000 | 3,450,000 | 4,789,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 200,000 |
| Pretax income | 202,000 | 424,000 | 665,000 | 645,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 202,000 | 424,000 | 665,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,662,000 | 18,734,000 | 18,826,000 | 18,605,000 |
| Total capital | 19,767,000 | 19,818,000 | 19,896,000 | 19,691,000 |
| Risk-weighted assets | 88,393,000 | 86,601,000 | 85,519,000 | 86,732,000 |
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