Call reports 2015
SETTLERS BANK — 2015
What SETTLERS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 155,011,000 | 176,579,000 | 193,406,000 | 194,861,000 |
| Total loans | 138,993,000 | 152,292,000 | 152,711,000 | 164,418,000 |
| Allowance for loan losses | 1,710,000 | 1,853,000 | 1,888,000 | 1,974,000 |
| Securities available for sale | 2,551,000 | 2,456,000 | 2,784,000 | 3,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,250,000 | 148,935,000 | 165,520,000 | 163,954,000 |
| Interest-bearing deposits | 124,959,000 | 137,598,000 | 152,291,000 | 152,361,000 |
| Noninterest-bearing deposits | 10,291,000 | 11,337,000 | 13,229,000 | 11,593,000 |
| Equity capital | 14,233,000 | 16,404,000 | 16,683,000 | 18,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,606,000 | 3,440,000 | 5,236,000 | 7,093,000 |
| Interest expense | 255,000 | 522,000 | 870,000 | 1,223,000 |
| Net interest income | 1,351,000 | 2,918,000 | 4,366,000 | 5,870,000 |
| Noninterest income | 194,000 | 367,000 | 606,000 | 895,000 |
| Noninterest expense | 1,281,000 | 2,542,000 | 3,799,000 | 5,043,000 |
| Provision for loan losses | 104,000 | 244,000 | 279,000 | 365,000 |
| Pretax income | 160,000 | 499,000 | 894,000 | 1,357,000 |
| Income tax | 72,000 | 227,000 | 351,000 | 509,000 |
| Net income | 88,000 | 272,000 | 543,000 | 848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,191,000 | 16,375,000 | 16,646,000 | 18,451,000 |
| Total capital | 15,800,000 | 18,180,000 | 18,474,000 | 20,425,000 |
| Risk-weighted assets | 128,625,000 | 144,415,000 | 146,255,000 | 160,046,000 |
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