Call reports 2025
SOMERVILLE BANK — 2025
What SOMERVILLE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 272,245,000 | 275,646,000 | 280,406,000 | 286,742,000 |
| Total loans | 191,062,000 | 201,739,000 | 199,271,000 | 206,649,000 |
| Allowance for loan losses | 2,315,000 | 2,343,000 | 2,388,000 | 2,199,000 |
| Securities available for sale | 57,376,000 | 56,425,000 | 57,667,000 | 59,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,591,000 | 249,272,000 | 252,263,000 | 257,775,000 |
| Interest-bearing deposits | 194,623,000 | 199,685,000 | 202,553,000 | 204,816,000 |
| Noninterest-bearing deposits | 50,968,000 | 49,587,000 | 49,710,000 | 52,959,000 |
| Equity capital | 18,940,000 | 18,761,000 | 20,705,000 | 21,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,181,000 | 6,588,000 | 10,073,000 | 13,606,000 |
| Interest expense | 1,251,000 | 2,586,000 | 3,948,000 | 5,314,000 |
| Net interest income | 1,930,000 | 4,002,000 | 6,125,000 | 8,292,000 |
| Noninterest income | 209,000 | 296,000 | 403,000 | 489,000 |
| Noninterest expense | 1,663,000 | 3,412,000 | 5,242,000 | 7,164,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | -4,000 |
| Pretax income | 432,000 | 797,000 | 1,143,000 | 1,609,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 432,000 | 797,000 | 1,143,000 | 1,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,093,000 | 27,318,000 | 27,524,000 | 27,770,000 |