Call reports 2019
SOMERVILLE BANK — 2019
What SOMERVILLE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 180,745,000 | 182,230,000 | 196,158,000 | 198,068,000 |
| Total loans | 131,999,000 | 136,856,000 | 145,309,000 | 148,642,000 |
| Allowance for loan losses | 1,396,000 | 1,432,000 | 1,467,000 | 1,503,000 |
| Securities available for sale | 31,485,000 | 28,924,000 | 27,400,000 | 30,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,611,000 | 159,504,000 | 168,059,000 | 170,452,000 |
| Interest-bearing deposits | 131,021,000 | 130,554,000 | 136,181,000 | 138,350,000 |
| Noninterest-bearing deposits | 27,590,000 | 28,950,000 | 31,878,000 | 32,102,000 |
| Equity capital | 19,733,000 | 20,243,000 | 20,575,000 | 20,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,872,000 | 3,862,000 | 5,911,000 | 8,045,000 |
| Interest expense | 423,000 | 880,000 | 1,375,000 | 1,917,000 |
| Net interest income | 1,449,000 | 2,982,000 | 4,536,000 | 6,128,000 |
| Noninterest income | 96,000 | 240,000 | 365,000 | 523,000 |
| Noninterest expense | 1,103,000 | 2,251,000 | 3,408,000 | 4,605,000 |
| Provision for loan losses | 24,000 | 60,000 | 96,000 | 132,000 |
| Pretax income | 418,000 | 916,000 | 1,402,000 | 1,919,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 418,000 | 916,000 | 1,402,000 | 1,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,735,000 | 19,984,000 | 20,219,000 | 20,437,000 |
| Total capital | 21,131,000 | 21,416,000 | 21,686,000 | 21,940,000 |
| Risk-weighted assets | 119,642,000 | 124,480,000 | 136,143,000 | 137,810,000 |
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