Call reports 2009
SOMERSET TRUST COMPANY — 2009
What SOMERSET TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 506,228,000 | 510,963,000 | 521,495,000 | 554,721,000 |
| Total loans | 303,790,000 | 314,091,000 | 322,600,000 | 331,622,000 |
| Allowance for loan losses | 4,662,000 | 4,688,000 | 4,850,000 | 5,563,000 |
| Securities available for sale | 139,576,000 | 153,341,000 | 155,517,000 | 175,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 435,453,000 | 440,054,000 | 449,070,000 | 471,566,000 |
| Interest-bearing deposits | 362,637,000 | 365,530,000 | 373,684,000 | 397,423,000 |
| Noninterest-bearing deposits | 72,816,000 | 74,524,000 | 75,386,000 | 74,143,000 |
| Equity capital | 40,165,000 | 43,155,000 | 47,296,000 | 45,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,964,000 | 13,968,000 | 20,968,000 | 28,107,000 |
| Interest expense | 2,386,000 | 4,581,000 | 6,618,000 | 8,552,000 |
| Net interest income | 4,578,000 | 9,387,000 | 14,350,000 | 19,555,000 |
| Noninterest income | 1,568,000 | 3,454,000 | 5,227,000 | 7,177,000 |
| Noninterest expense | 5,227,000 | 10,184,000 | 15,476,000 | 20,699,000 |
| Provision for loan losses | 125,000 | 300,000 | 661,000 | 1,536,000 |
| Pretax income | 1,223,000 | 2,893,000 | 4,655,000 | 6,010,000 |
| Income tax | 215,000 | 549,000 | 917,000 | 1,123,000 |
| Net income | 1,008,000 | 2,344,000 | 3,738,000 | 4,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,310,000 | 47,273,000 | 48,299,000 | 49,079,000 |
| Total capital | 50,814,000 | 52,045,000 | 53,171,000 | 54,231,000 |
| Risk-weighted assets | 360,009,000 | 381,636,000 | 389,643,000 | 411,560,000 |
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