Call reports 2011
SETTLERS BANK — 2011
What SETTLERS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 73,447,000 | 75,507,000 | 81,963,000 | 98,773,000 |
| Total loans | 67,310,000 | 67,858,000 | 68,053,000 | 78,977,000 |
| Allowance for loan losses | 882,000 | 976,000 | 1,043,000 | 1,103,000 |
| Securities available for sale | 1,811,000 | 1,807,000 | 1,845,000 | 1,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,324,000 | 65,280,000 | 71,725,000 | 88,329,000 |
| Interest-bearing deposits | 58,460,000 | 60,487,000 | 65,703,000 | 78,443,000 |
| Noninterest-bearing deposits | 4,865,000 | 4,792,000 | 6,022,000 | 9,887,000 |
| Equity capital | 9,764,000 | 9,839,000 | 9,967,000 | 10,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 956,000 | 1,997,000 | 3,050,000 | 4,148,000 |
| Interest expense | 304,000 | 584,000 | 845,000 | 1,089,000 |
| Net interest income | 652,000 | 1,413,000 | 2,205,000 | 3,059,000 |
| Noninterest income | 17,000 | 37,000 | 57,000 | 80,000 |
| Noninterest expense | 543,000 | 1,158,000 | 1,713,000 | 2,351,000 |
| Provision for loan losses | 25,000 | 88,000 | 157,000 | 219,000 |
| Pretax income | 101,000 | 204,000 | 392,000 | 569,000 |
| Income tax | 57,000 | 96,000 | 177,000 | 251,000 |
| Net income | 44,000 | 108,000 | 215,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,333,000 | 9,440,000 | 9,640,000 | 9,543,000 |
| Total capital | 10,111,000 | 10,257,000 | 10,453,000 | 10,478,000 |
| Risk-weighted assets | 63,385,000 | 65,197,000 | 65,393,000 | 74,668,000 |
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