Call reports 2018
SETTLERS BANK — 2018
What SETTLERS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 263,328,000 | 271,444,000 | 280,276,000 | 281,839,000 |
| Total loans | 226,120,000 | 221,276,000 | 220,874,000 | 241,668,000 |
| Allowance for loan losses | 2,644,000 | 2,626,000 | 2,625,000 | 2,670,000 |
| Securities available for sale | 3,707,000 | 4,168,000 | 4,562,000 | 7,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,515,000 | 222,075,000 | 231,439,000 | 227,979,000 |
| Interest-bearing deposits | 183,996,000 | 188,818,000 | 191,742,000 | 193,393,000 |
| Noninterest-bearing deposits | 29,519,000 | 33,257,000 | 39,697,000 | 34,586,000 |
| Equity capital | 25,278,000 | 25,674,000 | 26,170,000 | 26,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,728,000 | 5,668,000 | 8,807,000 | 12,009,000 |
| Interest expense | 629,000 | 1,412,000 | 2,265,000 | 3,125,000 |
| Net interest income | 2,099,000 | 4,256,000 | 6,542,000 | 8,884,000 |
| Noninterest income | 220,000 | 596,000 | 993,000 | 1,386,000 |
| Noninterest expense | 1,620,000 | 3,553,000 | 5,530,000 | 7,712,000 |
| Provision for loan losses | 140,000 | 209,000 | 209,000 | 254,000 |
| Pretax income | 559,000 | 1,090,000 | 1,796,000 | 2,304,000 |
| Income tax | 117,000 | 251,000 | 441,000 | 580,000 |
| Net income | 442,000 | 839,000 | 1,355,000 | 1,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,317,000 | 25,713,000 | 26,229,000 | 26,598,000 |
| Total capital | 27,961,000 | 28,339,000 | 28,854,000 | 29,268,000 |
| Risk-weighted assets | 216,466,000 | 220,868,000 | 226,513,000 | 243,821,000 |