Call reports 2010
SETTLERS BANK — 2010
What SETTLERS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 69,189,000 | 71,184,000 | 73,928,000 | 89,216,000 |
| Total loans | 61,003,000 | 65,581,000 | 64,455,000 | 65,028,000 |
| Allowance for loan losses | 992,000 | 1,017,000 | 1,037,000 | 857,000 |
| Securities available for sale | 860,000 | 859,000 | 857,000 | 829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,441,000 | 61,238,000 | 64,021,000 | 79,115,000 |
| Interest-bearing deposits | 58,022,000 | 58,894,000 | 59,431,000 | 69,482,000 |
| Noninterest-bearing deposits | 1,419,000 | 2,344,000 | 4,590,000 | 9,633,000 |
| Equity capital | 9,399,000 | 9,565,000 | 9,651,000 | 9,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 895,000 | 1,853,000 | 2,840,000 | 3,796,000 |
| Interest expense | 349,000 | 700,000 | 1,047,000 | 1,370,000 |
| Net interest income | 546,000 | 1,153,000 | 1,793,000 | 2,426,000 |
| Noninterest income | 19,000 | 39,000 | 57,000 | 77,000 |
| Noninterest expense | 444,000 | 901,000 | 1,405,000 | 1,937,000 |
| Provision for loan losses | 15,000 | 40,000 | 60,000 | 60,000 |
| Pretax income | 106,000 | 251,000 | 385,000 | 506,000 |
| Income tax | 43,000 | 104,000 | 158,000 | 210,000 |
| Net income | 63,000 | 147,000 | 227,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,640,000 | 8,857,000 | 9,037,000 | 9,603,000 |
| Total capital | 9,374,000 | 9,648,000 | 9,842,000 | 10,446,000 |
| Risk-weighted assets | 58,482,000 | 63,091,000 | 64,203,000 | 66,703,000 |
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