Somerville’s Central Bancorp Inc., the holding company for Central Bank, has reported $401,000 in net income for the quarter ended Sept. 30, down from $604,000 in net income for the same period last year.

The company’s decrease in net income for the quarter ended Sept. 30 was primarily attributable to a $442,000 increase in non-interest expenses, a $119,000 decrease in non-interest income and a $100,000 increase in the provision for loan losses, partially offset by a $349,000 increase in net interest income, according to a statement.

Profits rose to $1.1 million for the six months ended Sept. 30, up from $901,000 during the same period last year.

For the quarter ended Sept. 30 net interest and dividend income totaled $4.5 million, compared to $4.2 million for the quarter ended Sept. 30, 2009. The increase was primarily the net result of a decline in interest expense of $969,000, partially offset by a $620,000 decline in interest income.