Call reports 2013
SETTLERS BANK — 2013
What SETTLERS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 130,714,000 | 125,220,000 | 123,061,000 | 136,409,000 |
| Total loans | 99,999,000 | 99,963,000 | 100,983,000 | 109,102,000 |
| Allowance for loan losses | 1,423,000 | 1,460,000 | 1,505,000 | 1,562,000 |
| Securities available for sale | 1,324,000 | 2,232,000 | 2,545,000 | 2,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,391,000 | 112,665,000 | 110,172,000 | 120,658,000 |
| Interest-bearing deposits | 110,156,000 | 102,846,000 | 97,064,000 | 109,782,000 |
| Noninterest-bearing deposits | 8,235,000 | 9,819,000 | 13,108,000 | 10,876,000 |
| Equity capital | 11,942,000 | 12,120,000 | 12,313,000 | 12,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,376,000 | 2,731,000 | 4,074,000 | 5,495,000 |
| Interest expense | 284,000 | 553,000 | 790,000 | 1,004,000 |
| Net interest income | 1,092,000 | 2,178,000 | 3,284,000 | 4,491,000 |
| Noninterest income | 33,000 | 66,000 | 108,000 | 170,000 |
| Noninterest expense | 746,000 | 1,489,000 | 2,241,000 | 2,998,000 |
| Provision for loan losses | 68,000 | 100,000 | 140,000 | 197,000 |
| Pretax income | 311,000 | 655,000 | 1,011,000 | 1,466,000 |
| Income tax | 103,000 | 250,000 | 400,000 | 598,000 |
| Net income | 208,000 | 405,000 | 611,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,896,000 | 12,094,000 | 12,299,000 | 12,557,000 |
| Total capital | 13,068,000 | 13,281,000 | 13,497,000 | 13,867,000 |
| Risk-weighted assets | 93,431,000 | 94,697,000 | 95,504,000 | 104,570,000 |
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