Call reports 2023
SETTLERS BANK — 2023
What SETTLERS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 |
|---|---|---|
| Total assets | 382,745,000 | 411,491,000 |
| Total loans | 350,146,000 | 382,330,000 |
| Allowance for loan losses | 8,190,000 | 8,190,000 |
| Securities available for sale | 4,034,000 | 3,535,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 288,003,000 | 296,355,000 |
| Interest-bearing deposits | 202,776,000 | 215,833,000 |
| Noninterest-bearing deposits | 85,227,000 | 80,522,000 |
| Equity capital | 43,211,000 | 43,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 |
|---|---|---|
| Interest income | 5,140,000 | 10,532,000 |
| Interest expense | 1,566,000 | 3,887,000 |
| Net interest income | 3,574,000 | 6,645,000 |
| Noninterest income | 458,000 | 815,000 |
| Noninterest expense | 2,982,000 | 5,644,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 1,050,000 | 1,816,000 |
| Income tax | 285,000 | 632,000 |
| Net income | 765,000 | 1,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 |
|---|---|---|
| Tier 1 capital | 43,347,000 | 43,767,000 |
| Total capital | 47,944,000 | 48,791,000 |
| Risk-weighted assets | 364,206,000 | 398,805,000 |
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