Call reports 2012
SETTLERS BANK — 2012
What SETTLERS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 96,172,000 | 102,628,000 | 115,857,000 | 143,204,000 |
| Total loans | 89,863,000 | 95,334,000 | 93,952,000 | 98,690,000 |
| Allowance for loan losses | 1,173,000 | 1,222,000 | 1,307,000 | 1,351,000 |
| Securities available for sale | 1,711,000 | 1,684,000 | 1,591,000 | 1,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,706,000 | 91,815,000 | 104,971,000 | 131,983,000 |
| Interest-bearing deposits | 79,341,000 | 83,624,000 | 95,223,000 | 119,581,000 |
| Noninterest-bearing deposits | 6,366,000 | 8,191,000 | 9,748,000 | 12,402,000 |
| Equity capital | 10,225,000 | 10,393,000 | 10,559,000 | 10,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,254,000 | 2,576,000 | 3,956,000 | 5,313,000 |
| Interest expense | 277,000 | 546,000 | 829,000 | 1,120,000 |
| Net interest income | 977,000 | 2,030,000 | 3,127,000 | 4,193,000 |
| Noninterest income | 22,000 | 45,000 | 71,000 | 89,000 |
| Noninterest expense | 667,000 | 1,378,000 | 2,127,000 | 2,874,000 |
| Provision for loan losses | 70,000 | 150,000 | 230,000 | 270,000 |
| Pretax income | 262,000 | 547,000 | 841,000 | 1,138,000 |
| Income tax | 111,000 | 227,000 | 364,000 | 469,000 |
| Net income | 151,000 | 320,000 | 477,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,808,000 | 10,339,000 | 10,497,000 | 10,688,000 |
| Total capital | 10,806,000 | 11,396,000 | 11,572,000 | 11,875,000 |
| Risk-weighted assets | 79,709,000 | 84,272,000 | 85,808,000 | 94,782,000 |