Call reports 2019
SETTLERS BANK — 2019
What SETTLERS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 272,373,000 | 288,910,000 | 314,358,000 | 310,153,000 |
| Total loans | 244,033,000 | 258,803,000 | 277,566,000 | 281,558,000 |
| Allowance for loan losses | 2,848,000 | 2,902,000 | 2,866,000 | 4,530,000 |
| Securities available for sale | 7,130,000 | 7,153,000 | 8,112,000 | 9,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,828,000 | 227,651,000 | 243,251,000 | 243,788,000 |
| Interest-bearing deposits | 186,264,000 | 198,103,000 | 210,910,000 | 203,054,000 |
| Noninterest-bearing deposits | 27,564,000 | 29,548,000 | 32,341,000 | 40,734,000 |
| Equity capital | 27,931,000 | 29,504,000 | 31,559,000 | 30,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,366,000 | 6,899,000 | 10,582,000 | 14,351,000 |
| Interest expense | 914,000 | 1,961,000 | 3,175,000 | 4,459,000 |
| Net interest income | 2,452,000 | 4,938,000 | 7,407,000 | 9,892,000 |
| Noninterest income | 290,000 | 735,000 | 1,325,000 | 1,748,000 |
| Noninterest expense | 2,168,000 | 4,401,000 | 6,736,000 | 8,971,000 |
| Provision for loan losses | 176,000 | 231,000 | 361,000 | 2,026,000 |
| Pretax income | 398,000 | 1,041,000 | 1,635,000 | 643,000 |
| Income tax | 110,000 | 288,000 | 345,000 | 182,000 |
| Net income | 288,000 | 753,000 | 1,290,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,886,000 | 29,352,000 | 31,387,000 | 30,558,000 |
| Total capital | 30,734,000 | 32,254,000 | 34,253,000 | 34,209,000 |
| Risk-weighted assets | 246,076,000 | 266,101,000 | 277,883,000 | 291,207,000 |