Call reports 2004
SETTLERS BANK — 2004
What SETTLERS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 66,196,000 | 67,522,000 | 70,525,000 | 72,557,000 |
| Total loans | 50,970,000 | 54,240,000 | 58,208,000 | 60,021,000 |
| Allowance for loan losses | 650,000 | 653,000 | 696,000 | 718,000 |
| Securities available for sale | 3,946,000 | 6,182,000 | 6,260,000 | 6,736,000 |
| Securities held to maturity | 999,000 | 999,000 | 1,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,562,000 | 58,139,000 | 58,526,000 | 61,624,000 |
| Interest-bearing deposits | 50,547,000 | 51,029,000 | 51,492,000 | 53,773,000 |
| Noninterest-bearing deposits | 6,015,000 | 7,110,000 | 7,034,000 | 7,851,000 |
| Equity capital | 6,658,000 | 6,669,000 | 6,892,000 | 7,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 901,000 | 1,808,000 | 2,765,000 | 3,801,000 |
| Interest expense | 278,000 | 560,000 | 853,000 | 1,168,000 |
| Net interest income | 623,000 | 1,248,000 | 1,912,000 | 2,633,000 |
| Noninterest income | 80,000 | 153,000 | 236,000 | 359,000 |
| Noninterest expense | 420,000 | 848,000 | 1,288,000 | 1,827,000 |
| Provision for loan losses | 43,000 | 87,000 | 133,000 | 157,000 |
| Pretax income | 242,000 | 469,000 | 730,000 | 1,011,000 |
| Income tax | 83,000 | 159,000 | 255,000 | 359,000 |
| Net income | 159,000 | 310,000 | 475,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,649,000 | 6,793,000 | 6,910,000 | 7,051,000 |
| Total capital | 7,273,000 | 7,446,000 | 7,606,000 | 7,769,000 |
| Risk-weighted assets | 49,901,000 | 54,091,000 | 56,953,000 | 57,917,000 |
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