Call reports 2009
SETTLERS BANK — 2009
What SETTLERS BANK 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 | 38,282,000 | 52,622,000 | 68,846,000 | 73,674,000 |
| Total loans | 35,481,000 | 51,090,000 | 56,351,000 | 60,960,000 |
| Allowance for loan losses | 542,000 | 810,000 | 880,000 | 977,000 |
| Securities available for sale | 0 | 0 | 0 | 867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,483,000 | 43,943,000 | 60,089,000 | 63,968,000 |
| Interest-bearing deposits | 28,818,000 | 43,020,000 | 58,209,000 | 62,024,000 |
| Noninterest-bearing deposits | 665,000 | 923,000 | 1,880,000 | 1,944,000 |
| Equity capital | 8,628,000 | 8,410,000 | 8,437,000 | 9,327,000 |
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 | 439,000 | 1,082,000 | 1,905,000 | 2,767,000 |
| Interest expense | 201,000 | 459,000 | 795,000 | 1,160,000 |
| Net interest income | 238,000 | 623,000 | 1,110,000 | 1,607,000 |
| Noninterest income | 1,000 | 3,000 | 11,000 | 24,000 |
| Noninterest expense | 330,000 | 737,000 | 1,135,000 | 1,623,000 |
| Provision for loan losses | 100,000 | 368,000 | 438,000 | 535,000 |
| Pretax income | -191,000 | -479,000 | -452,000 | -527,000 |
| Income tax | 0 | 0 | 0 | -962,000 |
| Net income | -191,000 | -479,000 | -452,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,628,000 | 8,410,000 | 8,437,000 | 8,522,000 |
| Total capital | 9,066,000 | 9,036,000 | 9,175,000 | 9,307,000 |
| Risk-weighted assets | 34,973,000 | 50,210,000 | 58,257,000 | 62,609,000 |
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