Call reports 2014
SETTLERS BANK — 2014
What SETTLERS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 122,841,000 | 128,871,000 | 141,047,000 | 146,999,000 |
| Total loans | 113,073,000 | 121,187,000 | 124,474,000 | 133,884,000 |
| Allowance for loan losses | 1,584,000 | 1,621,000 | 1,663,000 | 1,602,000 |
| Securities available for sale | 2,781,000 | 2,738,000 | 2,666,000 | 2,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,475,000 | 113,184,000 | 124,817,000 | 126,888,000 |
| Interest-bearing deposits | 98,399,000 | 103,466,000 | 112,381,000 | 114,558,000 |
| Noninterest-bearing deposits | 11,076,000 | 9,718,000 | 12,436,000 | 12,330,000 |
| Equity capital | 12,707,000 | 12,835,000 | 14,006,000 | 14,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,390,000 | 2,859,000 | 4,457,000 | 6,102,000 |
| Interest expense | 209,000 | 416,000 | 649,000 | 886,000 |
| Net interest income | 1,181,000 | 2,443,000 | 3,808,000 | 5,216,000 |
| Noninterest income | 78,000 | 141,000 | 258,000 | 327,000 |
| Noninterest expense | 1,010,000 | 2,101,000 | 3,232,000 | 4,454,000 |
| Provision for loan losses | 22,000 | 62,000 | 107,000 | 137,000 |
| Pretax income | 227,000 | 421,000 | 727,000 | 952,000 |
| Income tax | 101,000 | 181,000 | 308,000 | 406,000 |
| Net income | 126,000 | 240,000 | 419,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,683,000 | 12,797,000 | 13,973,000 | 14,097,000 |
| Total capital | 13,990,000 | 14,203,000 | 15,485,000 | 15,650,000 |
| Risk-weighted assets | 106,491,000 | 112,259,000 | 122,434,000 | 124,204,000 |
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